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$54,647
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,347
−HK$1,727/mo
Today · 4.125%
HK$58,074
baseline
▲ 0.50% · 4.625%
HK$61,608
+HK$3,534/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,148/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,795
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,425
−HK$1,654/mo
Today · 4.125%
HK$64,079
baseline
▲ 0.50% · 4.625%
HK$67,457
+HK$3,378/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,158/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,577
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,617
−HK$2,072/mo
Today · 4.125%
HK$69,689
baseline
▲ 0.50% · 4.625%
HK$73,930
+HK$4,241/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,378/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,954
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,910
−HK$1,985/mo
Today · 4.125%
HK$76,895
baseline
▲ 0.50% · 4.625%
HK$80,948
+HK$4,053/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,790/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,506
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,886
−HK$2,418/mo
Today · 4.125%
HK$81,304
baseline
▲ 0.50% · 4.625%
HK$86,251
+HK$4,947/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,608/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,113
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,395
−HK$2,316/mo
Today · 4.125%
HK$89,711
baseline
▲ 0.50% · 4.625%
HK$94,440
+HK$4,729/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,422/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,365
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$101,425
−HK$3,109/mo
Today · 4.125%
HK$104,534
baseline
▲ 0.50% · 4.625%
HK$110,894
+HK$6,360/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,068/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,431
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$112,365
−HK$2,978/mo
Today · 4.125%
HK$115,343
baseline
▲ 0.50% · 4.625%
HK$121,423
+HK$6,080/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,686/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,534 · Scale 2, in force from 26 Feb 2026)