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$54,662
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,363
−HK$1,727/mo
Today · 4.125%
HK$58,090
baseline
▲ 0.50% · 4.625%
HK$61,625
+HK$3,535/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,180/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,811
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,442
−HK$1,655/mo
Today · 4.125%
HK$64,097
baseline
▲ 0.50% · 4.625%
HK$67,475
+HK$3,378/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,194/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,595
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,635
−HK$2,073/mo
Today · 4.125%
HK$69,708
baseline
▲ 0.50% · 4.625%
HK$73,950
+HK$4,242/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,416/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,974
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,931
−HK$1,985/mo
Today · 4.125%
HK$76,916
baseline
▲ 0.50% · 4.625%
HK$80,970
+HK$4,054/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,832/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,527
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,908
−HK$2,418/mo
Today · 4.125%
HK$81,326
baseline
▲ 0.50% · 4.625%
HK$86,275
+HK$4,949/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,652/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,136
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,419
−HK$2,316/mo
Today · 4.125%
HK$89,735
baseline
▲ 0.50% · 4.625%
HK$94,465
+HK$4,730/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,470/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,392
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,453
−HK$3,109/mo
Today · 4.125%
HK$104,562
baseline
▲ 0.50% · 4.625%
HK$110,925
+HK$6,363/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,124/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,460
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,396
−HK$2,978/mo
Today · 4.125%
HK$115,374
baseline
▲ 0.50% · 4.625%
HK$121,456
+HK$6,082/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,748/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,810 · Scale 2, in force from 26 Feb 2026)