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$54,694
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,396
−HK$1,728/mo
Today · 4.125%
HK$58,124
baseline
▲ 0.50% · 4.625%
HK$61,661
+HK$3,537/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,248/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,847
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,479
−HK$1,655/mo
Today · 4.125%
HK$64,134
baseline
▲ 0.50% · 4.625%
HK$67,515
+HK$3,381/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,268/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,633
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,675
−HK$2,074/mo
Today · 4.125%
HK$69,749
baseline
▲ 0.50% · 4.625%
HK$73,993
+HK$4,244/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,498/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,016
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,974
−HK$1,987/mo
Today · 4.125%
HK$76,961
baseline
▲ 0.50% · 4.625%
HK$81,018
+HK$4,057/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,922/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,572
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,954
−HK$2,420/mo
Today · 4.125%
HK$81,374
baseline
▲ 0.50% · 4.625%
HK$86,325
+HK$4,951/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,748/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,185
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,470
−HK$2,318/mo
Today · 4.125%
HK$89,788
baseline
▲ 0.50% · 4.625%
HK$94,521
+HK$4,733/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,576/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,450
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,512
−HK$3,111/mo
Today · 4.125%
HK$104,623
baseline
▲ 0.50% · 4.625%
HK$110,989
+HK$6,366/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,246/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,524
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,462
−HK$2,979/mo
Today · 4.125%
HK$115,441
baseline
▲ 0.50% · 4.625%
HK$121,527
+HK$6,086/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,882/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,405 · Scale 2, in force from 26 Feb 2026)