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$54,672
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,373
−HK$1,728/mo
Today · 4.125%
HK$58,101
baseline
▲ 0.50% · 4.625%
HK$61,636
+HK$3,535/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,202/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,018,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,822
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,453
−HK$1,655/mo
Today · 4.125%
HK$64,108
baseline
▲ 0.50% · 4.625%
HK$67,487
+HK$3,379/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,216/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,018,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,607
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,647
−HK$2,074/mo
Today · 4.125%
HK$69,721
baseline
▲ 0.50% · 4.625%
HK$73,963
+HK$4,242/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,442/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,987
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,944
−HK$1,986/mo
Today · 4.125%
HK$76,930
baseline
▲ 0.50% · 4.625%
HK$80,985
+HK$4,055/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,860/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,541
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,922
−HK$2,419/mo
Today · 4.125%
HK$81,341
baseline
▲ 0.50% · 4.625%
HK$86,290
+HK$4,949/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,682/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,151
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,435
−HK$2,317/mo
Today · 4.125%
HK$89,752
baseline
▲ 0.50% · 4.625%
HK$94,482
+HK$4,730/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,504/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,410
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,471
−HK$3,110/mo
Today · 4.125%
HK$104,581
baseline
▲ 0.50% · 4.625%
HK$110,945
+HK$6,364/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$209,162/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,480
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$112,416
−HK$2,979/mo
Today · 4.125%
HK$115,395
baseline
▲ 0.50% · 4.625%
HK$121,477
+HK$6,082/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$230,790/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,994 · Scale 2, in force from 26 Feb 2026)