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$54,808
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,513
−HK$1,732/mo
Today · 4.125%
HK$58,245
baseline
▲ 0.50% · 4.625%
HK$61,789
+HK$3,544/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,490/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,974
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,609
−HK$1,659/mo
Today · 4.125%
HK$64,268
baseline
▲ 0.50% · 4.625%
HK$67,656
+HK$3,388/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,536/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,770
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,816
−HK$2,078/mo
Today · 4.125%
HK$69,894
baseline
▲ 0.50% · 4.625%
HK$74,147
+HK$4,253/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,788/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,169
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,131
−HK$1,991/mo
Today · 4.125%
HK$77,122
baseline
▲ 0.50% · 4.625%
HK$81,187
+HK$4,065/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,244/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,732
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,119
−HK$2,425/mo
Today · 4.125%
HK$81,544
baseline
▲ 0.50% · 4.625%
HK$86,505
+HK$4,961/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,088/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,363
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,653
−HK$2,322/mo
Today · 4.125%
HK$89,975
baseline
▲ 0.50% · 4.625%
HK$94,718
+HK$4,743/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$179,950/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,655
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$101,724
−HK$3,118/mo
Today · 4.125%
HK$104,842
baseline
▲ 0.50% · 4.625%
HK$111,221
+HK$6,379/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,684/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,753
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,696
−HK$2,986/mo
Today · 4.125%
HK$115,682
baseline
▲ 0.50% · 4.625%
HK$121,780
+HK$6,098/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,364/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,534 · Scale 2, in force from 26 Feb 2026)