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$55,019
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,730
−HK$1,739/mo
Today · 4.125%
HK$58,469
baseline
▲ 0.50% · 4.625%
HK$62,026
+HK$3,557/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,938/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,208
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,849
−HK$1,666/mo
Today · 4.125%
HK$64,515
baseline
▲ 0.50% · 4.625%
HK$67,915
+HK$3,400/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$129,030/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,022
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,076
−HK$2,087/mo
Today · 4.125%
HK$70,163
baseline
▲ 0.50% · 4.625%
HK$74,432
+HK$4,269/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,326/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,449
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,419
−HK$1,998/mo
Today · 4.125%
HK$77,417
baseline
▲ 0.50% · 4.625%
HK$81,498
+HK$4,081/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,834/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,026
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,422
−HK$2,434/mo
Today · 4.125%
HK$81,856
baseline
▲ 0.50% · 4.625%
HK$86,837
+HK$4,981/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,712/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,691
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,989
−HK$2,331/mo
Today · 4.125%
HK$90,320
baseline
▲ 0.50% · 4.625%
HK$95,081
+HK$4,761/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,640/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,034
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,114
−HK$3,130/mo
Today · 4.125%
HK$105,244
baseline
▲ 0.50% · 4.625%
HK$111,648
+HK$6,404/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,488/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,174
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,129
−HK$2,997/mo
Today · 4.125%
HK$116,126
baseline
▲ 0.50% · 4.625%
HK$122,247
+HK$6,121/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,252/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,451 · Scale 2, in force from 26 Feb 2026)