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$55,045
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,757
−HK$1,740/mo
Today · 4.125%
HK$58,497
baseline
▲ 0.50% · 4.625%
HK$62,056
+HK$3,559/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,994/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,025,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,237
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,879
−HK$1,666/mo
Today · 4.125%
HK$64,545
baseline
▲ 0.50% · 4.625%
HK$67,948
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,090/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,025,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,054
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,109
−HK$2,087/mo
Today · 4.125%
HK$70,196
baseline
▲ 0.50% · 4.625%
HK$74,467
+HK$4,271/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$140,392/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,484
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,455
−HK$1,999/mo
Today · 4.125%
HK$77,454
baseline
▲ 0.50% · 4.625%
HK$81,537
+HK$4,083/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$154,908/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,063
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,460
−HK$2,435/mo
Today · 4.125%
HK$81,895
baseline
▲ 0.50% · 4.625%
HK$86,879
+HK$4,984/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,790/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,732
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,031
−HK$2,333/mo
Today · 4.125%
HK$90,364
baseline
▲ 0.50% · 4.625%
HK$95,127
+HK$4,763/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,728/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,081
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,163
−HK$3,131/mo
Today · 4.125%
HK$105,294
baseline
▲ 0.50% · 4.625%
HK$111,701
+HK$6,407/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,588/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,226
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,183
−HK$2,999/mo
Today · 4.125%
HK$116,182
baseline
▲ 0.50% · 4.625%
HK$122,306
+HK$6,124/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,364/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,942 · Scale 2, in force from 26 Feb 2026)