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$54,832
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,538
−HK$1,733/mo
Today · 4.125%
HK$58,271
baseline
▲ 0.50% · 4.625%
HK$61,817
+HK$3,546/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,542/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,021,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,001
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,637
−HK$1,659/mo
Today · 4.125%
HK$64,296
baseline
▲ 0.50% · 4.625%
HK$67,685
+HK$3,389/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,592/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,021,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,799
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,846
−HK$2,079/mo
Today · 4.125%
HK$69,925
baseline
▲ 0.50% · 4.625%
HK$74,180
+HK$4,255/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,850/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,201
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,164
−HK$1,991/mo
Today · 4.125%
HK$77,155
baseline
▲ 0.50% · 4.625%
HK$81,222
+HK$4,067/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,310/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,765
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,153
−HK$2,426/mo
Today · 4.125%
HK$81,579
baseline
▲ 0.50% · 4.625%
HK$86,543
+HK$4,964/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,158/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,021,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,401
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,691
−HK$2,324/mo
Today · 4.125%
HK$90,015
baseline
▲ 0.50% · 4.625%
HK$94,759
+HK$4,744/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$180,030/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,021,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,698
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,768
−HK$3,120/mo
Today · 4.125%
HK$104,888
baseline
▲ 0.50% · 4.625%
HK$111,270
+HK$6,382/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,776/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,801
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,746
−HK$2,987/mo
Today · 4.125%
HK$115,733
baseline
▲ 0.50% · 4.625%
HK$121,834
+HK$6,101/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,466/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,981 · Scale 2, in force from 26 Feb 2026)