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$55,012
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,723
−HK$1,739/mo
Today · 4.125%
HK$58,462
baseline
▲ 0.50% · 4.625%
HK$62,019
+HK$3,557/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,924/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,200
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,842
−HK$1,665/mo
Today · 4.125%
HK$64,507
baseline
▲ 0.50% · 4.625%
HK$67,907
+HK$3,400/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$129,014/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,014
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,068
−HK$2,086/mo
Today · 4.125%
HK$70,154
baseline
▲ 0.50% · 4.625%
HK$74,423
+HK$4,269/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,308/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,440
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,410
−HK$1,998/mo
Today · 4.125%
HK$77,408
baseline
▲ 0.50% · 4.625%
HK$81,488
+HK$4,080/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,816/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,017
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,412
−HK$2,434/mo
Today · 4.125%
HK$81,846
baseline
▲ 0.50% · 4.625%
HK$86,827
+HK$4,981/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,692/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,680
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,978
−HK$2,331/mo
Today · 4.125%
HK$90,309
baseline
▲ 0.50% · 4.625%
HK$95,070
+HK$4,761/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,618/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,022
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,102
−HK$3,129/mo
Today · 4.125%
HK$105,231
baseline
▲ 0.50% · 4.625%
HK$111,634
+HK$6,403/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,462/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,160
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,115
−HK$2,997/mo
Today · 4.125%
HK$116,112
baseline
▲ 0.50% · 4.625%
HK$122,233
+HK$6,121/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,224/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,328 · Scale 2, in force from 26 Feb 2026)