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$55,037
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,749
−HK$1,739/mo
Today · 4.125%
HK$58,488
baseline
▲ 0.50% · 4.625%
HK$62,047
+HK$3,559/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,976/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,228
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,870
−HK$1,666/mo
Today · 4.125%
HK$64,536
baseline
▲ 0.50% · 4.625%
HK$67,938
+HK$3,402/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,072/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,044
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,099
−HK$2,087/mo
Today · 4.125%
HK$70,186
baseline
▲ 0.50% · 4.625%
HK$74,456
+HK$4,270/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,372/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,474
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,444
−HK$1,999/mo
Today · 4.125%
HK$77,443
baseline
▲ 0.50% · 4.625%
HK$81,525
+HK$4,082/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,886/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,052
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,448
−HK$2,435/mo
Today · 4.125%
HK$81,883
baseline
▲ 0.50% · 4.625%
HK$86,866
+HK$4,983/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,766/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,719
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,018
−HK$2,332/mo
Today · 4.125%
HK$90,350
baseline
▲ 0.50% · 4.625%
HK$95,113
+HK$4,763/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,700/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,066
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,148
−HK$3,131/mo
Today · 4.125%
HK$105,279
baseline
▲ 0.50% · 4.625%
HK$111,685
+HK$6,406/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,558/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,210
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,166
−HK$2,999/mo
Today · 4.125%
HK$116,165
baseline
▲ 0.50% · 4.625%
HK$122,288
+HK$6,123/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,330/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,791 · Scale 2, in force from 26 Feb 2026)