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$54,806
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,511
−HK$1,732/mo
Today · 4.125%
HK$58,243
baseline
▲ 0.50% · 4.625%
HK$61,787
+HK$3,544/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,486/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,972
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,607
−HK$1,659/mo
Today · 4.125%
HK$64,266
baseline
▲ 0.50% · 4.625%
HK$67,653
+HK$3,387/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,532/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,768
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,813
−HK$2,079/mo
Today · 4.125%
HK$69,892
baseline
▲ 0.50% · 4.625%
HK$74,145
+HK$4,253/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,784/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,166
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,128
−HK$1,991/mo
Today · 4.125%
HK$77,119
baseline
▲ 0.50% · 4.625%
HK$81,184
+HK$4,065/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,238/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,729
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,116
−HK$2,425/mo
Today · 4.125%
HK$81,541
baseline
▲ 0.50% · 4.625%
HK$86,502
+HK$4,961/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,082/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,360
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,650
−HK$2,322/mo
Today · 4.125%
HK$89,972
baseline
▲ 0.50% · 4.625%
HK$94,715
+HK$4,743/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,944/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,652
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,720
−HK$3,118/mo
Today · 4.125%
HK$104,838
baseline
▲ 0.50% · 4.625%
HK$111,217
+HK$6,379/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,676/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,749
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,692
−HK$2,986/mo
Today · 4.125%
HK$115,678
baseline
▲ 0.50% · 4.625%
HK$121,776
+HK$6,098/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,356/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,497 · Scale 2, in force from 26 Feb 2026)