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$55,003
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,714
−HK$1,738/mo
Today · 4.125%
HK$58,452
baseline
▲ 0.50% · 4.625%
HK$62,009
+HK$3,557/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,904/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,190
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,831
−HK$1,665/mo
Today · 4.125%
HK$64,496
baseline
▲ 0.50% · 4.625%
HK$67,896
+HK$3,400/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,992/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,004
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,057
−HK$2,086/mo
Today · 4.125%
HK$70,143
baseline
▲ 0.50% · 4.625%
HK$74,411
+HK$4,268/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,286/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,428
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,398
−HK$1,998/mo
Today · 4.125%
HK$77,396
baseline
▲ 0.50% · 4.625%
HK$81,475
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,792/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,004
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,400
−HK$2,433/mo
Today · 4.125%
HK$81,833
baseline
▲ 0.50% · 4.625%
HK$86,813
+HK$4,980/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,666/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,667
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,964
−HK$2,331/mo
Today · 4.125%
HK$90,295
baseline
▲ 0.50% · 4.625%
HK$95,054
+HK$4,759/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,590/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,006
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,085
−HK$3,129/mo
Today · 4.125%
HK$105,214
baseline
▲ 0.50% · 4.625%
HK$111,616
+HK$6,402/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,428/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,143
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,097
−HK$2,996/mo
Today · 4.125%
HK$116,093
baseline
▲ 0.50% · 4.625%
HK$122,213
+HK$6,120/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,186/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,162 · Scale 2, in force from 26 Feb 2026)