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$55,044
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,756
−HK$1,740/mo
Today · 4.125%
HK$58,496
baseline
▲ 0.50% · 4.625%
HK$62,055
+HK$3,559/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,992/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,025,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,236
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,878
−HK$1,666/mo
Today · 4.125%
HK$64,544
baseline
▲ 0.50% · 4.625%
HK$67,946
+HK$3,402/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,088/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,025,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,053
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,107
−HK$2,088/mo
Today · 4.125%
HK$70,195
baseline
▲ 0.50% · 4.625%
HK$74,466
+HK$4,271/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$140,390/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,483
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,454
−HK$1,999/mo
Today · 4.125%
HK$77,453
baseline
▲ 0.50% · 4.625%
HK$81,535
+HK$4,082/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$154,906/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,061
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,458
−HK$2,436/mo
Today · 4.125%
HK$81,894
baseline
▲ 0.50% · 4.625%
HK$86,877
+HK$4,983/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,788/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,730
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,029
−HK$2,333/mo
Today · 4.125%
HK$90,362
baseline
▲ 0.50% · 4.625%
HK$95,125
+HK$4,763/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,724/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,079
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,161
−HK$3,131/mo
Today · 4.125%
HK$105,292
baseline
▲ 0.50% · 4.625%
HK$111,699
+HK$6,407/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,584/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,224
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,180
−HK$2,999/mo
Today · 4.125%
HK$116,179
baseline
▲ 0.50% · 4.625%
HK$122,303
+HK$6,124/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,358/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,920 · Scale 2, in force from 26 Feb 2026)