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$54,602
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,301
−HK$1,725/mo
Today · 4.125%
HK$58,026
baseline
▲ 0.50% · 4.625%
HK$61,557
+HK$3,531/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,052/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,745
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,374
−HK$1,652/mo
Today · 4.125%
HK$64,026
baseline
▲ 0.50% · 4.625%
HK$67,401
+HK$3,375/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,052/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,523
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,561
−HK$2,071/mo
Today · 4.125%
HK$69,632
baseline
▲ 0.50% · 4.625%
HK$73,869
+HK$4,237/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,264/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,894
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,849
−HK$1,983/mo
Today · 4.125%
HK$76,832
baseline
▲ 0.50% · 4.625%
HK$80,882
+HK$4,050/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,664/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,443
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,821
−HK$2,416/mo
Today · 4.125%
HK$81,237
baseline
▲ 0.50% · 4.625%
HK$86,180
+HK$4,943/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,474/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,043
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,323
−HK$2,314/mo
Today · 4.125%
HK$89,637
baseline
▲ 0.50% · 4.625%
HK$94,362
+HK$4,725/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,274/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,284
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,342
−HK$3,106/mo
Today · 4.125%
HK$104,448
baseline
▲ 0.50% · 4.625%
HK$110,803
+HK$6,355/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,896/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,340
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,273
−HK$2,975/mo
Today · 4.125%
HK$115,248
baseline
▲ 0.50% · 4.625%
HK$121,323
+HK$6,075/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,496/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,694 · Scale 2, in force from 26 Feb 2026)