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$54,642
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,342
−HK$1,727/mo
Today · 4.125%
HK$58,069
baseline
▲ 0.50% · 4.625%
HK$61,602
+HK$3,533/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,138/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,789
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,419
−HK$1,654/mo
Today · 4.125%
HK$64,073
baseline
▲ 0.50% · 4.625%
HK$67,450
+HK$3,377/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,146/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,570
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,610
−HK$2,072/mo
Today · 4.125%
HK$69,682
baseline
▲ 0.50% · 4.625%
HK$73,922
+HK$4,240/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,364/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,946
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,903
−HK$1,985/mo
Today · 4.125%
HK$76,888
baseline
▲ 0.50% · 4.625%
HK$80,940
+HK$4,052/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,776/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,499
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,878
−HK$2,418/mo
Today · 4.125%
HK$81,296
baseline
▲ 0.50% · 4.625%
HK$86,243
+HK$4,947/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,592/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,104
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,387
−HK$2,315/mo
Today · 4.125%
HK$89,702
baseline
▲ 0.50% · 4.625%
HK$94,430
+HK$4,728/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,404/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,356
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$101,415
−HK$3,108/mo
Today · 4.125%
HK$104,523
baseline
▲ 0.50% · 4.625%
HK$110,883
+HK$6,360/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,046/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,420
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$112,354
−HK$2,977/mo
Today · 4.125%
HK$115,331
baseline
▲ 0.50% · 4.625%
HK$121,411
+HK$6,080/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,662/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,432 · Scale 2, in force from 26 Feb 2026)