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$55,042
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,755
−HK$1,739/mo
Today · 4.125%
HK$58,494
baseline
▲ 0.50% · 4.625%
HK$62,053
+HK$3,559/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,988/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,025,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,234
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,876
−HK$1,666/mo
Today · 4.125%
HK$64,542
baseline
▲ 0.50% · 4.625%
HK$67,945
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,084/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,025,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,051
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,105
−HK$2,088/mo
Today · 4.125%
HK$70,193
baseline
▲ 0.50% · 4.625%
HK$74,464
+HK$4,271/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$140,386/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,481
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,452
−HK$1,999/mo
Today · 4.125%
HK$77,451
baseline
▲ 0.50% · 4.625%
HK$81,533
+HK$4,082/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$154,902/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,059
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,456
−HK$2,436/mo
Today · 4.125%
HK$81,892
baseline
▲ 0.50% · 4.625%
HK$86,875
+HK$4,983/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,784/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,728
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,027
−HK$2,332/mo
Today · 4.125%
HK$90,359
baseline
▲ 0.50% · 4.625%
HK$95,122
+HK$4,763/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,718/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,076
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,158
−HK$3,131/mo
Today · 4.125%
HK$105,289
baseline
▲ 0.50% · 4.625%
HK$111,696
+HK$6,407/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,578/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,221
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,178
−HK$2,998/mo
Today · 4.125%
HK$116,176
baseline
▲ 0.50% · 4.625%
HK$122,300
+HK$6,124/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,352/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,895 · Scale 2, in force from 26 Feb 2026)