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$54,654
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,354
−HK$1,727/mo
Today · 4.125%
HK$58,081
baseline
▲ 0.50% · 4.625%
HK$61,615
+HK$3,534/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,162/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,802
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,432
−HK$1,655/mo
Today · 4.125%
HK$64,087
baseline
▲ 0.50% · 4.625%
HK$67,465
+HK$3,378/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,174/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,585
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,625
−HK$2,072/mo
Today · 4.125%
HK$69,697
baseline
▲ 0.50% · 4.625%
HK$73,938
+HK$4,241/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,394/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,962
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,919
−HK$1,985/mo
Today · 4.125%
HK$76,904
baseline
▲ 0.50% · 4.625%
HK$80,958
+HK$4,054/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,808/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,515
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,895
−HK$2,419/mo
Today · 4.125%
HK$81,314
baseline
▲ 0.50% · 4.625%
HK$86,261
+HK$4,947/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,628/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,123
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,405
−HK$2,316/mo
Today · 4.125%
HK$89,721
baseline
▲ 0.50% · 4.625%
HK$94,451
+HK$4,730/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,442/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,377
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$101,437
−HK$3,109/mo
Today · 4.125%
HK$104,546
baseline
▲ 0.50% · 4.625%
HK$110,907
+HK$6,361/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,092/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,443
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,378
−HK$2,978/mo
Today · 4.125%
HK$115,356
baseline
▲ 0.50% · 4.625%
HK$121,437
+HK$6,081/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,712/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,652 · Scale 2, in force from 26 Feb 2026)