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$55,046
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,759
−HK$1,739/mo
Today · 4.125%
HK$58,498
baseline
▲ 0.50% · 4.625%
HK$62,058
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,996/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,025,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,238
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,881
−HK$1,666/mo
Today · 4.125%
HK$64,547
baseline
▲ 0.50% · 4.625%
HK$67,949
+HK$3,402/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,094/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,025,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,056
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,110
−HK$2,088/mo
Today · 4.125%
HK$70,198
baseline
▲ 0.50% · 4.625%
HK$74,469
+HK$4,271/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$140,396/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,486
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,457
−HK$1,999/mo
Today · 4.125%
HK$77,456
baseline
▲ 0.50% · 4.625%
HK$81,539
+HK$4,083/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$154,912/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,065
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,462
−HK$2,436/mo
Today · 4.125%
HK$81,898
baseline
▲ 0.50% · 4.625%
HK$86,881
+HK$4,983/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,796/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,734
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,033
−HK$2,333/mo
Today · 4.125%
HK$90,366
baseline
▲ 0.50% · 4.625%
HK$95,129
+HK$4,763/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,732/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,083
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,165
−HK$3,132/mo
Today · 4.125%
HK$105,297
baseline
▲ 0.50% · 4.625%
HK$111,704
+HK$6,407/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,594/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,229
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,186
−HK$2,999/mo
Today · 4.125%
HK$116,185
baseline
▲ 0.50% · 4.625%
HK$122,309
+HK$6,124/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,370/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,968 · Scale 2, in force from 26 Feb 2026)