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$55,034
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,746
−HK$1,739/mo
Today · 4.125%
HK$58,485
baseline
▲ 0.50% · 4.625%
HK$62,044
+HK$3,559/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,970/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,225
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,867
−HK$1,666/mo
Today · 4.125%
HK$64,533
baseline
▲ 0.50% · 4.625%
HK$67,935
+HK$3,402/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,066/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,041
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,095
−HK$2,088/mo
Today · 4.125%
HK$70,183
baseline
▲ 0.50% · 4.625%
HK$74,453
+HK$4,270/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,366/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,470
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,441
−HK$1,999/mo
Today · 4.125%
HK$77,440
baseline
▲ 0.50% · 4.625%
HK$81,521
+HK$4,081/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,880/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,048
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,445
−HK$2,435/mo
Today · 4.125%
HK$81,880
baseline
▲ 0.50% · 4.625%
HK$86,862
+HK$4,982/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,760/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,715
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,014
−HK$2,332/mo
Today · 4.125%
HK$90,346
baseline
▲ 0.50% · 4.625%
HK$95,108
+HK$4,762/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,692/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,062
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,143
−HK$3,131/mo
Today · 4.125%
HK$105,274
baseline
▲ 0.50% · 4.625%
HK$111,680
+HK$6,406/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,548/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,205
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,161
−HK$2,998/mo
Today · 4.125%
HK$116,159
baseline
▲ 0.50% · 4.625%
HK$122,282
+HK$6,123/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,318/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,744 · Scale 2, in force from 26 Feb 2026)