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$54,609
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,308
−HK$1,726/mo
Today · 4.125%
HK$58,034
baseline
▲ 0.50% · 4.625%
HK$61,565
+HK$3,531/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,068/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,752
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,381
−HK$1,653/mo
Today · 4.125%
HK$64,034
baseline
▲ 0.50% · 4.625%
HK$67,410
+HK$3,376/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,068/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,531
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,569
−HK$2,071/mo
Today · 4.125%
HK$69,640
baseline
▲ 0.50% · 4.625%
HK$73,878
+HK$4,238/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,280/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,902
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,858
−HK$1,983/mo
Today · 4.125%
HK$76,841
baseline
▲ 0.50% · 4.625%
HK$80,892
+HK$4,051/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,682/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,453
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,831
−HK$2,416/mo
Today · 4.125%
HK$81,247
baseline
▲ 0.50% · 4.625%
HK$86,191
+HK$4,944/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,494/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,053
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,334
−HK$2,314/mo
Today · 4.125%
HK$89,648
baseline
▲ 0.50% · 4.625%
HK$94,374
+HK$4,726/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,296/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,296
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,354
−HK$3,106/mo
Today · 4.125%
HK$104,460
baseline
▲ 0.50% · 4.625%
HK$110,817
+HK$6,357/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,920/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,354
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,287
−HK$2,975/mo
Today · 4.125%
HK$115,262
baseline
▲ 0.50% · 4.625%
HK$121,337
+HK$6,075/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,524/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,819 · Scale 2, in force from 26 Feb 2026)