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$54,757
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,460
−HK$1,730/mo
Today · 4.125%
HK$58,190
baseline
▲ 0.50% · 4.625%
HK$61,731
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,380/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,916
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,550
−HK$1,657/mo
Today · 4.125%
HK$64,207
baseline
▲ 0.50% · 4.625%
HK$67,592
+HK$3,385/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,414/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,708
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,752
−HK$2,076/mo
Today · 4.125%
HK$69,828
baseline
▲ 0.50% · 4.625%
HK$74,077
+HK$4,249/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,656/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,099
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,060
−HK$1,989/mo
Today · 4.125%
HK$77,049
baseline
▲ 0.50% · 4.625%
HK$81,110
+HK$4,061/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,098/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,659
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,044
−HK$2,422/mo
Today · 4.125%
HK$81,466
baseline
▲ 0.50% · 4.625%
HK$86,423
+HK$4,957/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,932/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,283
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,570
−HK$2,320/mo
Today · 4.125%
HK$89,890
baseline
▲ 0.50% · 4.625%
HK$94,628
+HK$4,738/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,780/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,562
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,628
−HK$3,114/mo
Today · 4.125%
HK$104,742
baseline
▲ 0.50% · 4.625%
HK$111,116
+HK$6,374/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,484/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,649
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,590
−HK$2,983/mo
Today · 4.125%
HK$115,573
baseline
▲ 0.50% · 4.625%
HK$121,665
+HK$6,092/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,146/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,567 · Scale 2, in force from 26 Feb 2026)