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$54,997
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,708
−HK$1,738/mo
Today · 4.125%
HK$58,446
baseline
▲ 0.50% · 4.625%
HK$62,002
+HK$3,556/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,892/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,184
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,825
−HK$1,664/mo
Today · 4.125%
HK$64,489
baseline
▲ 0.50% · 4.625%
HK$67,889
+HK$3,400/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,978/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,997
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,050
−HK$2,085/mo
Today · 4.125%
HK$70,135
baseline
▲ 0.50% · 4.625%
HK$74,403
+HK$4,268/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,270/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,421
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,390
−HK$1,997/mo
Today · 4.125%
HK$77,387
baseline
▲ 0.50% · 4.625%
HK$81,467
+HK$4,080/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,774/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,996
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,391
−HK$2,433/mo
Today · 4.125%
HK$81,824
baseline
▲ 0.50% · 4.625%
HK$86,803
+HK$4,979/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$163,648/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,657
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,955
−HK$2,330/mo
Today · 4.125%
HK$90,285
baseline
▲ 0.50% · 4.625%
HK$95,044
+HK$4,759/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$180,570/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,995
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,074
−HK$3,129/mo
Today · 4.125%
HK$105,203
baseline
▲ 0.50% · 4.625%
HK$111,604
+HK$6,401/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,406/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,131
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,085
−HK$2,996/mo
Today · 4.125%
HK$116,081
baseline
▲ 0.50% · 4.625%
HK$122,200
+HK$6,119/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,162/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,053 · Scale 2, in force from 26 Feb 2026)