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$54,623
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,322
−HK$1,727/mo
Today · 4.125%
HK$58,049
baseline
▲ 0.50% · 4.625%
HK$61,581
+HK$3,532/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,098/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,768
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,398
−HK$1,653/mo
Today · 4.125%
HK$64,051
baseline
▲ 0.50% · 4.625%
HK$67,427
+HK$3,376/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,102/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,548
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,587
−HK$2,071/mo
Today · 4.125%
HK$69,658
baseline
▲ 0.50% · 4.625%
HK$73,897
+HK$4,239/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,316/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,921
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,877
−HK$1,984/mo
Today · 4.125%
HK$76,861
baseline
▲ 0.50% · 4.625%
HK$80,913
+HK$4,052/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,722/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,473
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,851
−HK$2,417/mo
Today · 4.125%
HK$81,268
baseline
▲ 0.50% · 4.625%
HK$86,213
+HK$4,945/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,536/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,018,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,075
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,357
−HK$2,314/mo
Today · 4.125%
HK$89,671
baseline
▲ 0.50% · 4.625%
HK$94,398
+HK$4,727/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,342/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,018,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,322
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$101,380
−HK$3,108/mo
Today · 4.125%
HK$104,488
baseline
▲ 0.50% · 4.625%
HK$110,845
+HK$6,357/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$208,976/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,382
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$112,316
−HK$2,976/mo
Today · 4.125%
HK$115,292
baseline
▲ 0.50% · 4.625%
HK$121,369
+HK$6,077/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$230,584/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,083 · Scale 2, in force from 26 Feb 2026)