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$54,821
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,526
−HK$1,732/mo
Today · 4.125%
HK$58,258
baseline
▲ 0.50% · 4.625%
HK$61,803
+HK$3,545/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,516/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,987
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,623
−HK$1,659/mo
Today · 4.125%
HK$64,282
baseline
▲ 0.50% · 4.625%
HK$67,671
+HK$3,389/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,564/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,785
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,831
−HK$2,079/mo
Today · 4.125%
HK$69,910
baseline
▲ 0.50% · 4.625%
HK$74,164
+HK$4,254/mo
Deposit HK$9.62M · loan HK$14.42M · min. income ≈ HK$139,820/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,185
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,148
−HK$1,991/mo
Today · 4.125%
HK$77,139
baseline
▲ 0.50% · 4.625%
HK$81,205
+HK$4,066/mo
Deposit HK$9.62M · loan HK$14.42M · min. income ≈ HK$154,278/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,749
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,136
−HK$2,426/mo
Today · 4.125%
HK$81,562
baseline
▲ 0.50% · 4.625%
HK$86,525
+HK$4,963/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,124/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,382
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,672
−HK$2,323/mo
Today · 4.125%
HK$89,995
baseline
▲ 0.50% · 4.625%
HK$94,739
+HK$4,744/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$179,990/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,677
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$101,747
−HK$3,118/mo
Today · 4.125%
HK$104,865
baseline
▲ 0.50% · 4.625%
HK$111,246
+HK$6,381/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,730/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,777
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,722
−HK$2,986/mo
Today · 4.125%
HK$115,708
baseline
▲ 0.50% · 4.625%
HK$121,807
+HK$6,099/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,416/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,762 · Scale 2, in force from 26 Feb 2026)