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$54,653
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,353
−HK$1,727/mo
Today · 4.125%
HK$58,080
baseline
▲ 0.50% · 4.625%
HK$61,614
+HK$3,534/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,160/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,801
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,431
−HK$1,655/mo
Today · 4.125%
HK$64,086
baseline
▲ 0.50% · 4.625%
HK$67,464
+HK$3,378/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,172/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,583
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,623
−HK$2,073/mo
Today · 4.125%
HK$69,696
baseline
▲ 0.50% · 4.625%
HK$73,937
+HK$4,241/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,392/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,961
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,918
−HK$1,985/mo
Today · 4.125%
HK$76,903
baseline
▲ 0.50% · 4.625%
HK$80,956
+HK$4,053/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,806/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,514
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,894
−HK$2,418/mo
Today · 4.125%
HK$81,312
baseline
▲ 0.50% · 4.625%
HK$86,260
+HK$4,948/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,624/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,121
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,404
−HK$2,316/mo
Today · 4.125%
HK$89,720
baseline
▲ 0.50% · 4.625%
HK$94,449
+HK$4,729/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,440/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,375
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$101,435
−HK$3,109/mo
Today · 4.125%
HK$104,544
baseline
▲ 0.50% · 4.625%
HK$110,905
+HK$6,361/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,088/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,441
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,376
−HK$2,978/mo
Today · 4.125%
HK$115,354
baseline
▲ 0.50% · 4.625%
HK$121,434
+HK$6,080/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,708/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,633 · Scale 2, in force from 26 Feb 2026)