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$54,826
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,532
−HK$1,732/mo
Today · 4.125%
HK$58,264
baseline
▲ 0.50% · 4.625%
HK$61,810
+HK$3,546/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,528/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,994
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,629
−HK$1,660/mo
Today · 4.125%
HK$64,289
baseline
▲ 0.50% · 4.625%
HK$67,678
+HK$3,389/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,578/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,791
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,838
−HK$2,079/mo
Today · 4.125%
HK$69,917
baseline
▲ 0.50% · 4.625%
HK$74,171
+HK$4,254/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,834/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,192
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,155
−HK$1,992/mo
Today · 4.125%
HK$77,147
baseline
▲ 0.50% · 4.625%
HK$81,213
+HK$4,066/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,294/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,757
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,144
−HK$2,426/mo
Today · 4.125%
HK$81,570
baseline
▲ 0.50% · 4.625%
HK$86,533
+HK$4,963/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,140/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,021,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,391
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,681
−HK$2,323/mo
Today · 4.125%
HK$90,004
baseline
▲ 0.50% · 4.625%
HK$94,749
+HK$4,745/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$180,008/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,021,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,687
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,757
−HK$3,119/mo
Today · 4.125%
HK$104,876
baseline
▲ 0.50% · 4.625%
HK$111,257
+HK$6,381/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,752/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,788
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,733
−HK$2,987/mo
Today · 4.125%
HK$115,720
baseline
▲ 0.50% · 4.625%
HK$121,820
+HK$6,100/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,440/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,865 · Scale 2, in force from 26 Feb 2026)