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$54,772
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,476
−HK$1,731/mo
Today · 4.125%
HK$58,207
baseline
▲ 0.50% · 4.625%
HK$61,748
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,414/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,933
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,567
−HK$1,658/mo
Today · 4.125%
HK$64,225
baseline
▲ 0.50% · 4.625%
HK$67,611
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,450/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,726
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,771
−HK$2,077/mo
Today · 4.125%
HK$69,848
baseline
▲ 0.50% · 4.625%
HK$74,098
+HK$4,250/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,696/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,120
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,081
−HK$1,989/mo
Today · 4.125%
HK$77,070
baseline
▲ 0.50% · 4.625%
HK$81,133
+HK$4,063/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,140/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,681
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,066
−HK$2,423/mo
Today · 4.125%
HK$81,489
baseline
▲ 0.50% · 4.625%
HK$86,448
+HK$4,959/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$162,978/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,306
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,594
−HK$2,321/mo
Today · 4.125%
HK$89,915
baseline
▲ 0.50% · 4.625%
HK$94,655
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$179,830/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,589
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,656
−HK$3,116/mo
Today · 4.125%
HK$104,772
baseline
▲ 0.50% · 4.625%
HK$111,147
+HK$6,375/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,544/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,680
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,621
−HK$2,984/mo
Today · 4.125%
HK$115,605
baseline
▲ 0.50% · 4.625%
HK$121,699
+HK$6,094/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,210/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,853 · Scale 2, in force from 26 Feb 2026)