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$54,827
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,532
−HK$1,733/mo
Today · 4.125%
HK$58,265
baseline
▲ 0.50% · 4.625%
HK$61,810
+HK$3,545/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,530/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,994
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,630
−HK$1,659/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$1,021,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,792
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,838
−HK$2,080/mo
Today · 4.125%
HK$69,918
baseline
▲ 0.50% · 4.625%
HK$74,172
+HK$4,254/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,836/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,193
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,156
−HK$1,991/mo
Today · 4.125%
HK$77,147
baseline
▲ 0.50% · 4.625%
HK$81,214
+HK$4,067/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$1,021,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,757
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,145
−HK$2,425/mo
Today · 4.125%
HK$81,570
baseline
▲ 0.50% · 4.625%
HK$86,534
+HK$4,964/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$1,021,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,392
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,682
−HK$2,323/mo
Today · 4.125%
HK$90,005
baseline
▲ 0.50% · 4.625%
HK$94,749
+HK$4,744/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$180,010/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,021,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,688
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$101,757
−HK$3,119/mo
Today · 4.125%
HK$104,876
baseline
▲ 0.50% · 4.625%
HK$111,258
+HK$6,382/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$1,021,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,789
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,734
−HK$2,987/mo
Today · 4.125%
HK$115,721
baseline
▲ 0.50% · 4.625%
HK$121,820
+HK$6,099/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,442/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,871 · Scale 2, in force from 26 Feb 2026)