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$3,438/mo
▼ 0.25% · 3.875%
HK$56,537
−HK$1,733/mo
Today · 4.125%
HK$58,270
baseline
▲ 0.50% · 4.625%
HK$61,816
+HK$3,546/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,540/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,021,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,000
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,636
−HK$1,659/mo
Today · 4.125%
HK$64,295
baseline
▲ 0.50% · 4.625%
HK$67,685
+HK$3,390/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,590/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,021,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,798
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,845
−HK$2,079/mo
Today · 4.125%
HK$69,924
baseline
▲ 0.50% · 4.625%
HK$74,179
+HK$4,255/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,848/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,200
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,163
−HK$1,992/mo
Today · 4.125%
HK$77,155
baseline
▲ 0.50% · 4.625%
HK$81,221
+HK$4,066/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$1,021,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,764
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,152
−HK$2,426/mo
Today · 4.125%
HK$81,578
baseline
▲ 0.50% · 4.625%
HK$86,542
+HK$4,964/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,156/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,021,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,400
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,690
−HK$2,324/mo
Today · 4.125%
HK$90,014
baseline
▲ 0.50% · 4.625%
HK$94,758
+HK$4,744/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$180,028/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,021,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,697
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,767
−HK$3,119/mo
Today · 4.125%
HK$104,886
baseline
▲ 0.50% · 4.625%
HK$111,268
+HK$6,382/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,772/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,800
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,744
−HK$2,988/mo
Today · 4.125%
HK$115,732
baseline
▲ 0.50% · 4.625%
HK$121,832
+HK$6,100/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,464/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,969 · Scale 2, in force from 26 Feb 2026)