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$54,658
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,358
−HK$1,727/mo
Today · 4.125%
HK$58,085
baseline
▲ 0.50% · 4.625%
HK$61,620
+HK$3,535/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,170/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,806
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,437
−HK$1,654/mo
Today · 4.125%
HK$64,091
baseline
▲ 0.50% · 4.625%
HK$67,470
+HK$3,379/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,182/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,589
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,629
−HK$2,073/mo
Today · 4.125%
HK$69,702
baseline
▲ 0.50% · 4.625%
HK$73,943
+HK$4,241/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,404/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,967
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,924
−HK$1,986/mo
Today · 4.125%
HK$76,910
baseline
▲ 0.50% · 4.625%
HK$80,964
+HK$4,054/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,820/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,521
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,901
−HK$2,418/mo
Today · 4.125%
HK$81,319
baseline
▲ 0.50% · 4.625%
HK$86,267
+HK$4,948/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,638/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,129
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,412
−HK$2,316/mo
Today · 4.125%
HK$89,728
baseline
▲ 0.50% · 4.625%
HK$94,457
+HK$4,729/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,456/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,384
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$101,444
−HK$3,109/mo
Today · 4.125%
HK$104,553
baseline
▲ 0.50% · 4.625%
HK$110,915
+HK$6,362/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,106/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,451
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,386
−HK$2,978/mo
Today · 4.125%
HK$115,364
baseline
▲ 0.50% · 4.625%
HK$121,445
+HK$6,081/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,728/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,724 · Scale 2, in force from 26 Feb 2026)