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$54,651
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,351
−HK$1,728/mo
Today · 4.125%
HK$58,079
baseline
▲ 0.50% · 4.625%
HK$61,613
+HK$3,534/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,158/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,799
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,430
−HK$1,654/mo
Today · 4.125%
HK$64,084
baseline
▲ 0.50% · 4.625%
HK$67,462
+HK$3,378/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,168/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,582
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,622
−HK$2,072/mo
Today · 4.125%
HK$69,694
baseline
▲ 0.50% · 4.625%
HK$73,935
+HK$4,241/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,388/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,959
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,916
−HK$1,985/mo
Today · 4.125%
HK$76,901
baseline
▲ 0.50% · 4.625%
HK$80,954
+HK$4,053/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,802/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,512
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,892
−HK$2,418/mo
Today · 4.125%
HK$81,310
baseline
▲ 0.50% · 4.625%
HK$86,258
+HK$4,948/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,620/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,119
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,402
−HK$2,316/mo
Today · 4.125%
HK$89,718
baseline
▲ 0.50% · 4.625%
HK$94,447
+HK$4,729/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,436/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,373
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,433
−HK$3,108/mo
Today · 4.125%
HK$104,541
baseline
▲ 0.50% · 4.625%
HK$110,903
+HK$6,362/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,082/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,439
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$112,374
−HK$2,977/mo
Today · 4.125%
HK$115,351
baseline
▲ 0.50% · 4.625%
HK$121,431
+HK$6,080/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,702/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,608 · Scale 2, in force from 26 Feb 2026)