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$54,623
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,322
−HK$1,726/mo
Today · 4.125%
HK$58,048
baseline
▲ 0.50% · 4.625%
HK$61,580
+HK$3,532/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,096/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,767
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,397
−HK$1,653/mo
Today · 4.125%
HK$64,050
baseline
▲ 0.50% · 4.625%
HK$67,426
+HK$3,376/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,100/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,547
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,586
−HK$2,072/mo
Today · 4.125%
HK$69,658
baseline
▲ 0.50% · 4.625%
HK$73,896
+HK$4,238/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,316/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,921
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,876
−HK$1,984/mo
Today · 4.125%
HK$76,860
baseline
▲ 0.50% · 4.625%
HK$80,912
+HK$4,052/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,720/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,472
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,850
−HK$2,417/mo
Today · 4.125%
HK$81,267
baseline
▲ 0.50% · 4.625%
HK$86,212
+HK$4,945/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,534/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,018,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,074
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,356
−HK$2,314/mo
Today · 4.125%
HK$89,670
baseline
▲ 0.50% · 4.625%
HK$94,397
+HK$4,727/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,340/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,018,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,321
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,379
−HK$3,107/mo
Today · 4.125%
HK$104,486
baseline
▲ 0.50% · 4.625%
HK$110,844
+HK$6,358/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$208,972/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,381
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,314
−HK$2,976/mo
Today · 4.125%
HK$115,290
baseline
▲ 0.50% · 4.625%
HK$121,367
+HK$6,077/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$230,580/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,071 · Scale 2, in force from 26 Feb 2026)