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$54,645
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,344
−HK$1,727/mo
Today · 4.125%
HK$58,071
baseline
▲ 0.50% · 4.625%
HK$61,605
+HK$3,534/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,142/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,791
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,422
−HK$1,654/mo
Today · 4.125%
HK$64,076
baseline
▲ 0.50% · 4.625%
HK$67,453
+HK$3,377/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,152/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,573
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,613
−HK$2,072/mo
Today · 4.125%
HK$69,685
baseline
▲ 0.50% · 4.625%
HK$73,926
+HK$4,241/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,370/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,950
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,906
−HK$1,985/mo
Today · 4.125%
HK$76,891
baseline
▲ 0.50% · 4.625%
HK$80,944
+HK$4,053/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,782/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,502
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,882
−HK$2,418/mo
Today · 4.125%
HK$81,300
baseline
▲ 0.50% · 4.625%
HK$86,247
+HK$4,947/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,600/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,108
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,391
−HK$2,315/mo
Today · 4.125%
HK$89,706
baseline
▲ 0.50% · 4.625%
HK$94,435
+HK$4,729/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,412/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,360
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,420
−HK$3,108/mo
Today · 4.125%
HK$104,528
baseline
▲ 0.50% · 4.625%
HK$110,888
+HK$6,360/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,056/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,425
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$112,359
−HK$2,978/mo
Today · 4.125%
HK$115,337
baseline
▲ 0.50% · 4.625%
HK$121,416
+HK$6,079/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,674/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,479 · Scale 2, in force from 26 Feb 2026)