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$54,776
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,480
−HK$1,731/mo
Today · 4.125%
HK$58,211
baseline
▲ 0.50% · 4.625%
HK$61,753
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,422/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,938
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,572
−HK$1,658/mo
Today · 4.125%
HK$64,230
baseline
▲ 0.50% · 4.625%
HK$67,616
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,460/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,731
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,776
−HK$2,077/mo
Today · 4.125%
HK$69,853
baseline
▲ 0.50% · 4.625%
HK$74,103
+HK$4,250/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,706/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,125
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,086
−HK$1,990/mo
Today · 4.125%
HK$77,076
baseline
▲ 0.50% · 4.625%
HK$81,139
+HK$4,063/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,152/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,686
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,072
−HK$2,423/mo
Today · 4.125%
HK$81,495
baseline
▲ 0.50% · 4.625%
HK$86,454
+HK$4,959/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$162,990/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,313
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,601
−HK$2,321/mo
Today · 4.125%
HK$89,922
baseline
▲ 0.50% · 4.625%
HK$94,662
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,844/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,597
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,664
−HK$3,116/mo
Today · 4.125%
HK$104,780
baseline
▲ 0.50% · 4.625%
HK$111,155
+HK$6,375/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,560/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,688
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$112,630
−HK$2,984/mo
Today · 4.125%
HK$115,614
baseline
▲ 0.50% · 4.625%
HK$121,708
+HK$6,094/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,228/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,929 · Scale 2, in force from 26 Feb 2026)