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$54,665
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,366
−HK$1,727/mo
Today · 4.125%
HK$58,093
baseline
▲ 0.50% · 4.625%
HK$61,628
+HK$3,535/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,186/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,018,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,815
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,446
−HK$1,654/mo
Today · 4.125%
HK$64,100
baseline
▲ 0.50% · 4.625%
HK$67,479
+HK$3,379/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,200/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,018,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,599
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,639
−HK$2,073/mo
Today · 4.125%
HK$69,712
baseline
▲ 0.50% · 4.625%
HK$73,954
+HK$4,242/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,424/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,978
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,935
−HK$1,985/mo
Today · 4.125%
HK$76,920
baseline
▲ 0.50% · 4.625%
HK$80,975
+HK$4,055/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,840/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,532
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,912
−HK$2,419/mo
Today · 4.125%
HK$81,331
baseline
▲ 0.50% · 4.625%
HK$86,280
+HK$4,949/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,662/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,141
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,424
−HK$2,317/mo
Today · 4.125%
HK$89,741
baseline
▲ 0.50% · 4.625%
HK$94,471
+HK$4,730/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,482/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,398
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,459
−HK$3,109/mo
Today · 4.125%
HK$104,568
baseline
▲ 0.50% · 4.625%
HK$110,931
+HK$6,363/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$209,136/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,467
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,402
−HK$2,979/mo
Today · 4.125%
HK$115,381
baseline
▲ 0.50% · 4.625%
HK$121,463
+HK$6,082/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$230,762/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,869 · Scale 2, in force from 26 Feb 2026)