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$54,651
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,351
−HK$1,727/mo
Today · 4.125%
HK$58,078
baseline
▲ 0.50% · 4.625%
HK$61,612
+HK$3,534/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,156/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,798
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,429
−HK$1,654/mo
Today · 4.125%
HK$64,083
baseline
▲ 0.50% · 4.625%
HK$67,461
+HK$3,378/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,166/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,581
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,621
−HK$2,072/mo
Today · 4.125%
HK$69,693
baseline
▲ 0.50% · 4.625%
HK$73,934
+HK$4,241/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,386/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,958
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,915
−HK$1,985/mo
Today · 4.125%
HK$76,900
baseline
▲ 0.50% · 4.625%
HK$80,953
+HK$4,053/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,800/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,511
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,891
−HK$2,418/mo
Today · 4.125%
HK$81,309
baseline
▲ 0.50% · 4.625%
HK$86,256
+HK$4,947/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,618/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,118
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,400
−HK$2,316/mo
Today · 4.125%
HK$89,716
baseline
▲ 0.50% · 4.625%
HK$94,445
+HK$4,729/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,432/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,371
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$101,431
−HK$3,109/mo
Today · 4.125%
HK$104,540
baseline
▲ 0.50% · 4.625%
HK$110,901
+HK$6,361/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,080/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,437
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,372
−HK$2,978/mo
Today · 4.125%
HK$115,350
baseline
▲ 0.50% · 4.625%
HK$121,430
+HK$6,080/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,700/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,594 · Scale 2, in force from 26 Feb 2026)