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$54,764
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,468
−HK$1,731/mo
Today · 4.125%
HK$58,199
baseline
▲ 0.50% · 4.625%
HK$61,740
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,398/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,925
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,559
−HK$1,657/mo
Today · 4.125%
HK$64,216
baseline
▲ 0.50% · 4.625%
HK$67,601
+HK$3,385/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,432/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,717
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,761
−HK$2,077/mo
Today · 4.125%
HK$69,838
baseline
▲ 0.50% · 4.625%
HK$74,088
+HK$4,250/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,676/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,110
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,071
−HK$1,989/mo
Today · 4.125%
HK$77,060
baseline
▲ 0.50% · 4.625%
HK$81,122
+HK$4,062/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,120/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,670
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,055
−HK$2,423/mo
Today · 4.125%
HK$81,478
baseline
▲ 0.50% · 4.625%
HK$86,436
+HK$4,958/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$162,956/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,295
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,582
−HK$2,321/mo
Today · 4.125%
HK$89,903
baseline
▲ 0.50% · 4.625%
HK$94,642
+HK$4,739/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$179,806/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,576
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,642
−HK$3,116/mo
Today · 4.125%
HK$104,758
baseline
▲ 0.50% · 4.625%
HK$111,132
+HK$6,374/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,516/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,665
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,606
−HK$2,984/mo
Today · 4.125%
HK$115,590
baseline
▲ 0.50% · 4.625%
HK$121,683
+HK$6,093/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,180/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,714 · Scale 2, in force from 26 Feb 2026)