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$54,811
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,516
−HK$1,733/mo
Today · 4.125%
HK$58,249
baseline
▲ 0.50% · 4.625%
HK$61,793
+HK$3,544/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,498/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,977
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,612
−HK$1,659/mo
Today · 4.125%
HK$64,271
baseline
▲ 0.50% · 4.625%
HK$67,659
+HK$3,388/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,542/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,774
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,820
−HK$2,078/mo
Today · 4.125%
HK$69,898
baseline
▲ 0.50% · 4.625%
HK$74,151
+HK$4,253/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,796/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,173
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,135
−HK$1,991/mo
Today · 4.125%
HK$77,126
baseline
▲ 0.50% · 4.625%
HK$81,191
+HK$4,065/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,252/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,736
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,123
−HK$2,425/mo
Today · 4.125%
HK$81,548
baseline
▲ 0.50% · 4.625%
HK$86,510
+HK$4,962/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,096/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,368
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,657
−HK$2,323/mo
Today · 4.125%
HK$89,980
baseline
▲ 0.50% · 4.625%
HK$94,723
+HK$4,743/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$179,960/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,660
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$101,729
−HK$3,118/mo
Today · 4.125%
HK$104,847
baseline
▲ 0.50% · 4.625%
HK$111,227
+HK$6,380/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,694/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,759
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$112,702
−HK$2,987/mo
Today · 4.125%
HK$115,689
baseline
▲ 0.50% · 4.625%
HK$121,787
+HK$6,098/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,378/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,589 · Scale 2, in force from 26 Feb 2026)