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$54,823
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,528
−HK$1,732/mo
Today · 4.125%
HK$58,260
baseline
▲ 0.50% · 4.625%
HK$61,805
+HK$3,545/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,520/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,990
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,625
−HK$1,660/mo
Today · 4.125%
HK$64,285
baseline
▲ 0.50% · 4.625%
HK$67,673
+HK$3,388/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,570/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,787
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,833
−HK$2,079/mo
Today · 4.125%
HK$69,912
baseline
▲ 0.50% · 4.625%
HK$74,166
+HK$4,254/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,824/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,187
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,150
−HK$1,992/mo
Today · 4.125%
HK$77,142
baseline
▲ 0.50% · 4.625%
HK$81,208
+HK$4,066/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,284/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,752
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,139
−HK$2,426/mo
Today · 4.125%
HK$81,565
baseline
▲ 0.50% · 4.625%
HK$86,528
+HK$4,963/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,130/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,385
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,675
−HK$2,323/mo
Today · 4.125%
HK$89,998
baseline
▲ 0.50% · 4.625%
HK$94,742
+HK$4,744/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$179,996/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,681
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$101,750
−HK$3,119/mo
Today · 4.125%
HK$104,869
baseline
▲ 0.50% · 4.625%
HK$111,250
+HK$6,381/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,738/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,781
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,725
−HK$2,987/mo
Today · 4.125%
HK$115,712
baseline
▲ 0.50% · 4.625%
HK$121,812
+HK$6,100/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,424/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,797 · Scale 2, in force from 26 Feb 2026)