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$54,823
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,528
−HK$1,733/mo
Today · 4.125%
HK$58,261
baseline
▲ 0.50% · 4.625%
HK$61,806
+HK$3,545/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,522/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,990
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,626
−HK$1,659/mo
Today · 4.125%
HK$64,285
baseline
▲ 0.50% · 4.625%
HK$67,674
+HK$3,389/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,570/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,787
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,834
−HK$2,079/mo
Today · 4.125%
HK$69,913
baseline
▲ 0.50% · 4.625%
HK$74,167
+HK$4,254/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,826/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,188
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,151
−HK$1,991/mo
Today · 4.125%
HK$77,142
baseline
▲ 0.50% · 4.625%
HK$81,208
+HK$4,066/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,284/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,752
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,139
−HK$2,426/mo
Today · 4.125%
HK$81,565
baseline
▲ 0.50% · 4.625%
HK$86,528
+HK$4,963/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,130/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,386
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,676
−HK$2,323/mo
Today · 4.125%
HK$89,999
baseline
▲ 0.50% · 4.625%
HK$94,743
+HK$4,744/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$179,998/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,681
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$101,751
−HK$3,118/mo
Today · 4.125%
HK$104,869
baseline
▲ 0.50% · 4.625%
HK$111,250
+HK$6,381/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,738/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,782
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,726
−HK$2,987/mo
Today · 4.125%
HK$115,713
baseline
▲ 0.50% · 4.625%
HK$121,812
+HK$6,099/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,426/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,803 · Scale 2, in force from 26 Feb 2026)