The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$54,996
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,707
−HK$1,738/mo
Today · 4.125%
HK$58,445
baseline
▲ 0.50% · 4.625%
HK$62,001
+HK$3,556/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,890/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,183
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,824
−HK$1,664/mo
Today · 4.125%
HK$64,488
baseline
▲ 0.50% · 4.625%
HK$67,888
+HK$3,400/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,976/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,996
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,048
−HK$2,086/mo
Today · 4.125%
HK$70,134
baseline
▲ 0.50% · 4.625%
HK$74,402
+HK$4,268/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,268/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,419
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,388
−HK$1,998/mo
Today · 4.125%
HK$77,386
baseline
▲ 0.50% · 4.625%
HK$81,465
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,772/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,995
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,390
−HK$2,433/mo
Today · 4.125%
HK$81,823
baseline
▲ 0.50% · 4.625%
HK$86,802
+HK$4,979/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$163,646/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,656
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,953
−HK$2,331/mo
Today · 4.125%
HK$90,284
baseline
▲ 0.50% · 4.625%
HK$95,043
+HK$4,759/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$180,568/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,993
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,073
−HK$3,128/mo
Today · 4.125%
HK$105,201
baseline
▲ 0.50% · 4.625%
HK$111,602
+HK$6,401/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,402/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,129
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,083
−HK$2,996/mo
Today · 4.125%
HK$116,079
baseline
▲ 0.50% · 4.625%
HK$122,198
+HK$6,119/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,158/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,035 · Scale 2, in force from 26 Feb 2026)