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$54,993
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,703
−HK$1,738/mo
Today · 4.125%
HK$58,441
baseline
▲ 0.50% · 4.625%
HK$61,997
+HK$3,556/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,882/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,179
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,819
−HK$1,665/mo
Today · 4.125%
HK$64,484
baseline
▲ 0.50% · 4.625%
HK$67,883
+HK$3,399/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,968/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,991
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,044
−HK$2,085/mo
Today · 4.125%
HK$70,129
baseline
▲ 0.50% · 4.625%
HK$74,396
+HK$4,267/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,258/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,414
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,383
−HK$1,998/mo
Today · 4.125%
HK$77,381
baseline
▲ 0.50% · 4.625%
HK$81,460
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,762/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,990
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,384
−HK$2,434/mo
Today · 4.125%
HK$81,818
baseline
▲ 0.50% · 4.625%
HK$86,796
+HK$4,978/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$163,636/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,650
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,947
−HK$2,331/mo
Today · 4.125%
HK$90,278
baseline
▲ 0.50% · 4.625%
HK$95,036
+HK$4,758/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$180,556/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,987
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,066
−HK$3,128/mo
Today · 4.125%
HK$105,194
baseline
▲ 0.50% · 4.625%
HK$111,595
+HK$6,401/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,388/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,122
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,075
−HK$2,996/mo
Today · 4.125%
HK$116,071
baseline
▲ 0.50% · 4.625%
HK$122,189
+HK$6,118/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,142/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,966 · Scale 2, in force from 26 Feb 2026)