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$54,657
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,357
−HK$1,727/mo
Today · 4.125%
HK$58,084
baseline
▲ 0.50% · 4.625%
HK$61,619
+HK$3,535/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,168/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,805
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,436
−HK$1,654/mo
Today · 4.125%
HK$64,090
baseline
▲ 0.50% · 4.625%
HK$67,469
+HK$3,379/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,180/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,588
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,628
−HK$2,073/mo
Today · 4.125%
HK$69,701
baseline
▲ 0.50% · 4.625%
HK$73,942
+HK$4,241/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,402/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,966
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,923
−HK$1,985/mo
Today · 4.125%
HK$76,908
baseline
▲ 0.50% · 4.625%
HK$80,962
+HK$4,054/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,816/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,520
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,900
−HK$2,418/mo
Today · 4.125%
HK$81,318
baseline
▲ 0.50% · 4.625%
HK$86,266
+HK$4,948/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,636/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,127
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,410
−HK$2,317/mo
Today · 4.125%
HK$89,727
baseline
▲ 0.50% · 4.625%
HK$94,456
+HK$4,729/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,454/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,382
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,443
−HK$3,109/mo
Today · 4.125%
HK$104,552
baseline
▲ 0.50% · 4.625%
HK$110,914
+HK$6,362/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,104/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,450
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,385
−HK$2,978/mo
Today · 4.125%
HK$115,363
baseline
▲ 0.50% · 4.625%
HK$121,444
+HK$6,081/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,726/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,710 · Scale 2, in force from 26 Feb 2026)