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$54,936
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,644
−HK$1,737/mo
Today · 4.125%
HK$58,381
baseline
▲ 0.50% · 4.625%
HK$61,933
+HK$3,552/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,762/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,115
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,754
−HK$1,663/mo
Today · 4.125%
HK$64,417
baseline
▲ 0.50% · 4.625%
HK$67,813
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,834/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,923
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,973
−HK$2,084/mo
Today · 4.125%
HK$70,057
baseline
▲ 0.50% · 4.625%
HK$74,319
+HK$4,262/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,114/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,338
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,305
−HK$1,996/mo
Today · 4.125%
HK$77,301
baseline
▲ 0.50% · 4.625%
HK$81,375
+HK$4,074/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,602/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,910
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,302
−HK$2,431/mo
Today · 4.125%
HK$81,733
baseline
▲ 0.50% · 4.625%
HK$86,706
+HK$4,973/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,466/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,561
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,856
−HK$2,328/mo
Today · 4.125%
HK$90,184
baseline
▲ 0.50% · 4.625%
HK$94,938
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,368/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,884
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,960
−HK$3,125/mo
Today · 4.125%
HK$105,085
baseline
▲ 0.50% · 4.625%
HK$111,479
+HK$6,394/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,170/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,008
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,958
−HK$2,993/mo
Today · 4.125%
HK$115,951
baseline
▲ 0.50% · 4.625%
HK$122,063
+HK$6,112/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,902/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,905 · Scale 2, in force from 26 Feb 2026)