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$54,995
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,705
−HK$1,738/mo
Today · 4.125%
HK$58,443
baseline
▲ 0.50% · 4.625%
HK$61,999
+HK$3,556/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,886/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,181
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,822
−HK$1,664/mo
Today · 4.125%
HK$64,486
baseline
▲ 0.50% · 4.625%
HK$67,885
+HK$3,399/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,972/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,993
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,046
−HK$2,086/mo
Today · 4.125%
HK$70,132
baseline
▲ 0.50% · 4.625%
HK$74,399
+HK$4,267/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,264/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,417
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,386
−HK$1,998/mo
Today · 4.125%
HK$77,384
baseline
▲ 0.50% · 4.625%
HK$81,463
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,768/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,992
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,387
−HK$2,433/mo
Today · 4.125%
HK$81,820
baseline
▲ 0.50% · 4.625%
HK$86,799
+HK$4,979/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$163,640/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,653
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,950
−HK$2,331/mo
Today · 4.125%
HK$90,281
baseline
▲ 0.50% · 4.625%
HK$95,040
+HK$4,759/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$180,562/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,990
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,069
−HK$3,129/mo
Today · 4.125%
HK$105,198
baseline
▲ 0.50% · 4.625%
HK$111,599
+HK$6,401/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,396/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,126
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,079
−HK$2,996/mo
Today · 4.125%
HK$116,075
baseline
▲ 0.50% · 4.625%
HK$122,194
+HK$6,119/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,150/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,003 · Scale 2, in force from 26 Feb 2026)