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$54,992
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,702
−HK$1,738/mo
Today · 4.125%
HK$58,440
baseline
▲ 0.50% · 4.625%
HK$61,996
+HK$3,556/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,880/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,178
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,819
−HK$1,664/mo
Today · 4.125%
HK$64,483
baseline
▲ 0.50% · 4.625%
HK$67,882
+HK$3,399/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,966/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,990
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,043
−HK$2,085/mo
Today · 4.125%
HK$70,128
baseline
▲ 0.50% · 4.625%
HK$74,396
+HK$4,268/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,256/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,413
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,382
−HK$1,998/mo
Today · 4.125%
HK$77,380
baseline
▲ 0.50% · 4.625%
HK$81,459
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,760/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,989
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,383
−HK$2,433/mo
Today · 4.125%
HK$81,816
baseline
▲ 0.50% · 4.625%
HK$86,795
+HK$4,979/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,632/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,649
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,946
−HK$2,330/mo
Today · 4.125%
HK$90,276
baseline
▲ 0.50% · 4.625%
HK$95,035
+HK$4,759/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,552/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,985
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,064
−HK$3,129/mo
Today · 4.125%
HK$105,193
baseline
▲ 0.50% · 4.625%
HK$111,593
+HK$6,400/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,386/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,120
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,074
−HK$2,996/mo
Today · 4.125%
HK$116,070
baseline
▲ 0.50% · 4.625%
HK$122,188
+HK$6,118/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,140/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,953 · Scale 2, in force from 26 Feb 2026)