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$55,908
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,647
−HK$1,767/mo
Today · 4.125%
HK$59,414
baseline
▲ 0.50% · 4.625%
HK$63,029
+HK$3,615/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,828/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,197
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,865
−HK$1,692/mo
Today · 4.125%
HK$65,557
baseline
▲ 0.50% · 4.625%
HK$69,013
+HK$3,456/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,114/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,089
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,176
−HK$2,120/mo
Today · 4.125%
HK$71,296
baseline
▲ 0.50% · 4.625%
HK$75,635
+HK$4,339/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,592/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,636
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,638
−HK$2,031/mo
Today · 4.125%
HK$78,669
baseline
▲ 0.50% · 4.625%
HK$82,815
+HK$4,146/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,338/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,271
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,706
−HK$2,473/mo
Today · 4.125%
HK$83,179
baseline
▲ 0.50% · 4.625%
HK$88,240
+HK$5,061/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$166,358/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,076
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,411
−HK$2,369/mo
Today · 4.125%
HK$91,780
baseline
▲ 0.50% · 4.625%
HK$96,618
+HK$4,838/mo
Deposit HK$7.36M · loan HK$17.16M · min. income ≈ HK$183,560/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,634
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,764
−HK$3,181/mo
Today · 4.125%
HK$106,945
baseline
▲ 0.50% · 4.625%
HK$113,452
+HK$6,507/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,890/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,954
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,957
−HK$3,046/mo
Today · 4.125%
HK$118,003
baseline
▲ 0.50% · 4.625%
HK$124,223
+HK$6,220/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,006/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,024 · Scale 2, in force from 26 Feb 2026)