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$55,026
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,738
−HK$1,739/mo
Today · 4.125%
HK$58,477
baseline
▲ 0.50% · 4.625%
HK$62,035
+HK$3,558/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,954/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,216
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,858
−HK$1,666/mo
Today · 4.125%
HK$64,524
baseline
▲ 0.50% · 4.625%
HK$67,925
+HK$3,401/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,048/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,032
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,086
−HK$2,086/mo
Today · 4.125%
HK$70,172
baseline
▲ 0.50% · 4.625%
HK$74,442
+HK$4,270/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,344/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,460
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,430
−HK$1,998/mo
Today · 4.125%
HK$77,428
baseline
▲ 0.50% · 4.625%
HK$81,510
+HK$4,082/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,856/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,037
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,433
−HK$2,435/mo
Today · 4.125%
HK$81,868
baseline
▲ 0.50% · 4.625%
HK$86,849
+HK$4,981/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,736/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,703
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$88,001
−HK$2,332/mo
Today · 4.125%
HK$90,333
baseline
▲ 0.50% · 4.625%
HK$95,095
+HK$4,762/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,666/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,047
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,128
−HK$3,131/mo
Today · 4.125%
HK$105,259
baseline
▲ 0.50% · 4.625%
HK$111,663
+HK$6,404/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,518/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,189
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,145
−HK$2,998/mo
Today · 4.125%
HK$116,143
baseline
▲ 0.50% · 4.625%
HK$122,265
+HK$6,122/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,286/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,596 · Scale 2, in force from 26 Feb 2026)