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$54,808
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,512
−HK$1,732/mo
Today · 4.125%
HK$58,244
baseline
▲ 0.50% · 4.625%
HK$61,789
+HK$3,545/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,488/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,973
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,608
−HK$1,659/mo
Today · 4.125%
HK$64,267
baseline
▲ 0.50% · 4.625%
HK$67,655
+HK$3,388/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,534/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,769
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,815
−HK$2,078/mo
Today · 4.125%
HK$69,893
baseline
▲ 0.50% · 4.625%
HK$74,146
+HK$4,253/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,786/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,167
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,130
−HK$1,990/mo
Today · 4.125%
HK$77,120
baseline
▲ 0.50% · 4.625%
HK$81,186
+HK$4,066/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,240/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,731
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,117
−HK$2,425/mo
Today · 4.125%
HK$81,542
baseline
▲ 0.50% · 4.625%
HK$86,504
+HK$4,962/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,084/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,362
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,651
−HK$2,323/mo
Today · 4.125%
HK$89,974
baseline
▲ 0.50% · 4.625%
HK$94,717
+HK$4,743/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,948/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,654
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,722
−HK$3,118/mo
Today · 4.125%
HK$104,840
baseline
▲ 0.50% · 4.625%
HK$111,219
+HK$6,379/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,680/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,751
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$112,695
−HK$2,986/mo
Today · 4.125%
HK$115,681
baseline
▲ 0.50% · 4.625%
HK$121,778
+HK$6,097/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,362/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,518 · Scale 2, in force from 26 Feb 2026)