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$55,029
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,741
−HK$1,739/mo
Today · 4.125%
HK$58,480
baseline
▲ 0.50% · 4.625%
HK$62,038
+HK$3,558/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,960/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,219
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,861
−HK$1,666/mo
Today · 4.125%
HK$64,527
baseline
▲ 0.50% · 4.625%
HK$67,928
+HK$3,401/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,054/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,035
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,089
−HK$2,087/mo
Today · 4.125%
HK$70,176
baseline
▲ 0.50% · 4.625%
HK$74,446
+HK$4,270/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,352/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,463
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,434
−HK$1,998/mo
Today · 4.125%
HK$77,432
baseline
▲ 0.50% · 4.625%
HK$81,514
+HK$4,082/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,864/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,041
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,437
−HK$2,435/mo
Today · 4.125%
HK$81,872
baseline
▲ 0.50% · 4.625%
HK$86,854
+HK$4,982/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,744/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,707
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,006
−HK$2,332/mo
Today · 4.125%
HK$90,338
baseline
▲ 0.50% · 4.625%
HK$95,099
+HK$4,761/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,676/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,053
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,134
−HK$3,130/mo
Today · 4.125%
HK$105,264
baseline
▲ 0.50% · 4.625%
HK$111,669
+HK$6,405/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,528/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,195
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,150
−HK$2,998/mo
Today · 4.125%
HK$116,148
baseline
▲ 0.50% · 4.625%
HK$122,271
+HK$6,123/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,296/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,648 · Scale 2, in force from 26 Feb 2026)