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$55,037
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,749
−HK$1,740/mo
Today · 4.125%
HK$58,489
baseline
▲ 0.50% · 4.625%
HK$62,048
+HK$3,559/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,978/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,229
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,871
−HK$1,666/mo
Today · 4.125%
HK$64,537
baseline
▲ 0.50% · 4.625%
HK$67,938
+HK$3,401/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,074/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,045
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,099
−HK$2,087/mo
Today · 4.125%
HK$70,186
baseline
▲ 0.50% · 4.625%
HK$74,457
+HK$4,271/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,372/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,474
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,445
−HK$1,999/mo
Today · 4.125%
HK$77,444
baseline
▲ 0.50% · 4.625%
HK$81,526
+HK$4,082/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,888/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,052
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,449
−HK$2,435/mo
Today · 4.125%
HK$81,884
baseline
▲ 0.50% · 4.625%
HK$86,867
+HK$4,983/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,768/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,720
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,019
−HK$2,332/mo
Today · 4.125%
HK$90,351
baseline
▲ 0.50% · 4.625%
HK$95,114
+HK$4,763/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,702/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,067
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,149
−HK$3,131/mo
Today · 4.125%
HK$105,280
baseline
▲ 0.50% · 4.625%
HK$111,686
+HK$6,406/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,560/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,211
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,167
−HK$2,999/mo
Today · 4.125%
HK$116,166
baseline
▲ 0.50% · 4.625%
HK$122,289
+HK$6,123/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,332/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,802 · Scale 2, in force from 26 Feb 2026)