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$54,668
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,369
−HK$1,728/mo
Today · 4.125%
HK$58,097
baseline
▲ 0.50% · 4.625%
HK$61,632
+HK$3,535/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,194/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,018,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,818
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,449
−HK$1,655/mo
Today · 4.125%
HK$64,104
baseline
▲ 0.50% · 4.625%
HK$67,483
+HK$3,379/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,208/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,018,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,602
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,643
−HK$2,073/mo
Today · 4.125%
HK$69,716
baseline
▲ 0.50% · 4.625%
HK$73,958
+HK$4,242/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,432/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,982
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,939
−HK$1,986/mo
Today · 4.125%
HK$76,925
baseline
▲ 0.50% · 4.625%
HK$80,980
+HK$4,055/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,850/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,536
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,917
−HK$2,418/mo
Today · 4.125%
HK$81,335
baseline
▲ 0.50% · 4.625%
HK$86,284
+HK$4,949/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,670/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,145
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,429
−HK$2,317/mo
Today · 4.125%
HK$89,746
baseline
▲ 0.50% · 4.625%
HK$94,476
+HK$4,730/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,492/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,403
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,464
−HK$3,110/mo
Today · 4.125%
HK$104,574
baseline
▲ 0.50% · 4.625%
HK$110,937
+HK$6,363/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$209,148/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,473
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,409
−HK$2,978/mo
Today · 4.125%
HK$115,387
baseline
▲ 0.50% · 4.625%
HK$121,469
+HK$6,082/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$230,774/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,926 · Scale 2, in force from 26 Feb 2026)