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$55,022
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,733
−HK$1,739/mo
Today · 4.125%
HK$58,472
baseline
▲ 0.50% · 4.625%
HK$62,030
+HK$3,558/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,944/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,211
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,853
−HK$1,665/mo
Today · 4.125%
HK$64,518
baseline
▲ 0.50% · 4.625%
HK$67,919
+HK$3,401/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$129,036/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,026
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,080
−HK$2,087/mo
Today · 4.125%
HK$70,167
baseline
▲ 0.50% · 4.625%
HK$74,436
+HK$4,269/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,334/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,453
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,423
−HK$1,999/mo
Today · 4.125%
HK$77,422
baseline
▲ 0.50% · 4.625%
HK$81,503
+HK$4,081/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,844/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,031
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,427
−HK$2,434/mo
Today · 4.125%
HK$81,861
baseline
▲ 0.50% · 4.625%
HK$86,842
+HK$4,981/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,722/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,696
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,994
−HK$2,332/mo
Today · 4.125%
HK$90,326
baseline
▲ 0.50% · 4.625%
HK$95,087
+HK$4,761/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,652/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,039
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,120
−HK$3,130/mo
Today · 4.125%
HK$105,250
baseline
▲ 0.50% · 4.625%
HK$111,654
+HK$6,404/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,500/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,180
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,135
−HK$2,998/mo
Today · 4.125%
HK$116,133
baseline
▲ 0.50% · 4.625%
HK$122,254
+HK$6,121/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,266/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,511 · Scale 2, in force from 26 Feb 2026)