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$54,662
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,362
−HK$1,727/mo
Today · 4.125%
HK$58,089
baseline
▲ 0.50% · 4.625%
HK$61,624
+HK$3,535/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,178/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,810
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,441
−HK$1,655/mo
Today · 4.125%
HK$64,096
baseline
▲ 0.50% · 4.625%
HK$67,474
+HK$3,378/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,192/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,594
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,634
−HK$2,073/mo
Today · 4.125%
HK$69,707
baseline
▲ 0.50% · 4.625%
HK$73,949
+HK$4,242/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,414/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,973
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,930
−HK$1,985/mo
Today · 4.125%
HK$76,915
baseline
▲ 0.50% · 4.625%
HK$80,969
+HK$4,054/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,830/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,526
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,907
−HK$2,418/mo
Today · 4.125%
HK$81,325
baseline
▲ 0.50% · 4.625%
HK$86,273
+HK$4,948/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,650/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,135
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,418
−HK$2,316/mo
Today · 4.125%
HK$89,734
baseline
▲ 0.50% · 4.625%
HK$94,464
+HK$4,730/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,468/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,391
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,451
−HK$3,110/mo
Today · 4.125%
HK$104,561
baseline
▲ 0.50% · 4.625%
HK$110,923
+HK$6,362/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,122/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,459
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,394
−HK$2,979/mo
Today · 4.125%
HK$115,373
baseline
▲ 0.50% · 4.625%
HK$121,454
+HK$6,081/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,746/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,797 · Scale 2, in force from 26 Feb 2026)