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$54,985
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,695
−HK$1,738/mo
Today · 4.125%
HK$58,433
baseline
▲ 0.50% · 4.625%
HK$61,988
+HK$3,555/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,866/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,170
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,811
−HK$1,664/mo
Today · 4.125%
HK$64,475
baseline
▲ 0.50% · 4.625%
HK$67,874
+HK$3,399/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,950/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,982
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,034
−HK$2,086/mo
Today · 4.125%
HK$70,120
baseline
▲ 0.50% · 4.625%
HK$74,386
+HK$4,266/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,240/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,404
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,373
−HK$1,997/mo
Today · 4.125%
HK$77,370
baseline
▲ 0.50% · 4.625%
HK$81,448
+HK$4,078/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,740/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,979
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,373
−HK$2,433/mo
Today · 4.125%
HK$81,806
baseline
▲ 0.50% · 4.625%
HK$86,784
+HK$4,978/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,612/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,638
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,935
−HK$2,330/mo
Today · 4.125%
HK$90,265
baseline
▲ 0.50% · 4.625%
HK$95,023
+HK$4,758/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,530/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,973
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,051
−HK$3,128/mo
Today · 4.125%
HK$105,179
baseline
▲ 0.50% · 4.625%
HK$111,579
+HK$6,400/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,358/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,106
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,059
−HK$2,996/mo
Today · 4.125%
HK$116,055
baseline
▲ 0.50% · 4.625%
HK$122,172
+HK$6,117/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,110/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,823 · Scale 2, in force from 26 Feb 2026)