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$54,703
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,405
−HK$1,729/mo
Today · 4.125%
HK$58,134
baseline
▲ 0.50% · 4.625%
HK$61,671
+HK$3,537/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,268/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,857
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,489
−HK$1,656/mo
Today · 4.125%
HK$64,145
baseline
▲ 0.50% · 4.625%
HK$67,526
+HK$3,381/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,290/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,644
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,686
−HK$2,074/mo
Today · 4.125%
HK$69,760
baseline
▲ 0.50% · 4.625%
HK$74,005
+HK$4,245/mo
Deposit HK$9.60M · loan HK$14.39M · min. income ≈ HK$139,520/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,028
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,987
−HK$1,987/mo
Today · 4.125%
HK$76,974
baseline
▲ 0.50% · 4.625%
HK$81,031
+HK$4,057/mo
Deposit HK$9.60M · loan HK$14.39M · min. income ≈ HK$153,948/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,585
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,967
−HK$2,420/mo
Today · 4.125%
HK$81,387
baseline
▲ 0.50% · 4.625%
HK$86,339
+HK$4,952/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,774/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,200
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,485
−HK$2,318/mo
Today · 4.125%
HK$89,803
baseline
▲ 0.50% · 4.625%
HK$94,536
+HK$4,733/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,606/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,466
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,529
−HK$3,111/mo
Today · 4.125%
HK$104,640
baseline
▲ 0.50% · 4.625%
HK$111,008
+HK$6,368/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,280/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,542
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,480
−HK$2,980/mo
Today · 4.125%
HK$115,460
baseline
▲ 0.50% · 4.625%
HK$121,547
+HK$6,087/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,920/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,573 · Scale 2, in force from 26 Feb 2026)