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$54,620
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,319
−HK$1,726/mo
Today · 4.125%
HK$58,045
baseline
▲ 0.50% · 4.625%
HK$61,577
+HK$3,532/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,090/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,018,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,764
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,394
−HK$1,653/mo
Today · 4.125%
HK$64,047
baseline
▲ 0.50% · 4.625%
HK$67,423
+HK$3,376/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,094/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,018,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,544
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,583
−HK$2,072/mo
Today · 4.125%
HK$69,655
baseline
▲ 0.50% · 4.625%
HK$73,893
+HK$4,238/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,310/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,917
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,873
−HK$1,984/mo
Today · 4.125%
HK$76,857
baseline
▲ 0.50% · 4.625%
HK$80,908
+HK$4,051/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,714/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,468
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,847
−HK$2,417/mo
Today · 4.125%
HK$81,264
baseline
▲ 0.50% · 4.625%
HK$86,208
+HK$4,944/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,528/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,018,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,070
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,352
−HK$2,314/mo
Today · 4.125%
HK$89,666
baseline
▲ 0.50% · 4.625%
HK$94,393
+HK$4,727/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,332/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,018,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,316
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$101,375
−HK$3,107/mo
Today · 4.125%
HK$104,482
baseline
▲ 0.50% · 4.625%
HK$110,839
+HK$6,357/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$208,964/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,376
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,309
−HK$2,976/mo
Today · 4.125%
HK$115,285
baseline
▲ 0.50% · 4.625%
HK$121,362
+HK$6,077/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$230,570/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,027 · Scale 2, in force from 26 Feb 2026)