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$54,977
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,687
−HK$1,738/mo
Today · 4.125%
HK$58,425
baseline
▲ 0.50% · 4.625%
HK$61,980
+HK$3,555/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,850/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,162
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,802
−HK$1,664/mo
Today · 4.125%
HK$64,466
baseline
▲ 0.50% · 4.625%
HK$67,864
+HK$3,398/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,932/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,973
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,025
−HK$2,085/mo
Today · 4.125%
HK$70,110
baseline
▲ 0.50% · 4.625%
HK$74,376
+HK$4,266/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$140,220/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,394
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,362
−HK$1,997/mo
Today · 4.125%
HK$77,359
baseline
▲ 0.50% · 4.625%
HK$81,437
+HK$4,078/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$154,718/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,968
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,362
−HK$2,433/mo
Today · 4.125%
HK$81,795
baseline
▲ 0.50% · 4.625%
HK$86,772
+HK$4,977/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,590/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,626
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,923
−HK$2,329/mo
Today · 4.125%
HK$90,252
baseline
▲ 0.50% · 4.625%
HK$95,010
+HK$4,758/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,504/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,959
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,037
−HK$3,128/mo
Today · 4.125%
HK$105,165
baseline
▲ 0.50% · 4.625%
HK$111,564
+HK$6,399/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,330/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,091
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,044
−HK$2,995/mo
Today · 4.125%
HK$116,039
baseline
▲ 0.50% · 4.625%
HK$122,155
+HK$6,116/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,078/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,681 · Scale 2, in force from 26 Feb 2026)