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$54,766
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,469
−HK$1,731/mo
Today · 4.125%
HK$58,200
baseline
▲ 0.50% · 4.625%
HK$61,741
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,400/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,926
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,560
−HK$1,658/mo
Today · 4.125%
HK$64,218
baseline
▲ 0.50% · 4.625%
HK$67,603
+HK$3,385/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,436/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,719
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,763
−HK$2,077/mo
Today · 4.125%
HK$69,840
baseline
▲ 0.50% · 4.625%
HK$74,089
+HK$4,249/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,680/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,111
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,072
−HK$1,989/mo
Today · 4.125%
HK$77,061
baseline
▲ 0.50% · 4.625%
HK$81,123
+HK$4,062/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,122/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,672
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,057
−HK$2,423/mo
Today · 4.125%
HK$81,480
baseline
▲ 0.50% · 4.625%
HK$86,438
+HK$4,958/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$162,960/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,297
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,584
−HK$2,321/mo
Today · 4.125%
HK$89,905
baseline
▲ 0.50% · 4.625%
HK$94,644
+HK$4,739/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$179,810/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,578
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,644
−HK$3,116/mo
Today · 4.125%
HK$104,760
baseline
▲ 0.50% · 4.625%
HK$111,134
+HK$6,374/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,520/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,667
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,608
−HK$2,984/mo
Today · 4.125%
HK$115,592
baseline
▲ 0.50% · 4.625%
HK$121,685
+HK$6,093/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,184/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,736 · Scale 2, in force from 26 Feb 2026)