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$55,032
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,744
−HK$1,739/mo
Today · 4.125%
HK$58,483
baseline
▲ 0.50% · 4.625%
HK$62,041
+HK$3,558/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,966/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,222
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,864
−HK$1,666/mo
Today · 4.125%
HK$64,530
baseline
▲ 0.50% · 4.625%
HK$67,931
+HK$3,401/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,060/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,038
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,092
−HK$2,087/mo
Today · 4.125%
HK$70,179
baseline
▲ 0.50% · 4.625%
HK$74,450
+HK$4,271/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,358/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,467
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,437
−HK$1,999/mo
Today · 4.125%
HK$77,436
baseline
▲ 0.50% · 4.625%
HK$81,518
+HK$4,082/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,872/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,045
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,441
−HK$2,435/mo
Today · 4.125%
HK$81,876
baseline
▲ 0.50% · 4.625%
HK$86,858
+HK$4,982/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,752/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,711
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,010
−HK$2,332/mo
Today · 4.125%
HK$90,342
baseline
▲ 0.50% · 4.625%
HK$95,104
+HK$4,762/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,684/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,057
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,138
−HK$3,131/mo
Today · 4.125%
HK$105,269
baseline
▲ 0.50% · 4.625%
HK$111,674
+HK$6,405/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,538/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,200
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,156
−HK$2,998/mo
Today · 4.125%
HK$116,154
baseline
▲ 0.50% · 4.625%
HK$122,277
+HK$6,123/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,308/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,697 · Scale 2, in force from 26 Feb 2026)