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$54,993
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,704
−HK$1,738/mo
Today · 4.125%
HK$58,442
baseline
▲ 0.50% · 4.625%
HK$61,998
+HK$3,556/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,884/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,180
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,820
−HK$1,665/mo
Today · 4.125%
HK$64,485
baseline
▲ 0.50% · 4.625%
HK$67,884
+HK$3,399/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,970/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,992
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,045
−HK$2,085/mo
Today · 4.125%
HK$70,130
baseline
▲ 0.50% · 4.625%
HK$74,398
+HK$4,268/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,260/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,416
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,385
−HK$1,997/mo
Today · 4.125%
HK$77,382
baseline
▲ 0.50% · 4.625%
HK$81,461
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,764/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,991
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,386
−HK$2,433/mo
Today · 4.125%
HK$81,819
baseline
▲ 0.50% · 4.625%
HK$86,797
+HK$4,978/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$163,638/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,652
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,949
−HK$2,330/mo
Today · 4.125%
HK$90,279
baseline
▲ 0.50% · 4.625%
HK$95,038
+HK$4,759/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$180,558/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,988
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,067
−HK$3,129/mo
Today · 4.125%
HK$105,196
baseline
▲ 0.50% · 4.625%
HK$111,597
+HK$6,401/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,392/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,123
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,077
−HK$2,996/mo
Today · 4.125%
HK$116,073
baseline
▲ 0.50% · 4.625%
HK$122,191
+HK$6,118/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,146/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,983 · Scale 2, in force from 26 Feb 2026)