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$54,699
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,400
−HK$1,729/mo
Today · 4.125%
HK$58,129
baseline
▲ 0.50% · 4.625%
HK$61,666
+HK$3,537/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,258/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,852
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,484
−HK$1,655/mo
Today · 4.125%
HK$64,139
baseline
▲ 0.50% · 4.625%
HK$67,520
+HK$3,381/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,278/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,638
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,680
−HK$2,075/mo
Today · 4.125%
HK$69,755
baseline
▲ 0.50% · 4.625%
HK$73,999
+HK$4,244/mo
Deposit HK$9.60M · loan HK$14.39M · min. income ≈ HK$139,510/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,022
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,981
−HK$1,986/mo
Today · 4.125%
HK$76,967
baseline
▲ 0.50% · 4.625%
HK$81,024
+HK$4,057/mo
Deposit HK$9.60M · loan HK$14.39M · min. income ≈ HK$153,934/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,578
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,960
−HK$2,420/mo
Today · 4.125%
HK$81,380
baseline
▲ 0.50% · 4.625%
HK$86,332
+HK$4,952/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,760/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,193
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,477
−HK$2,318/mo
Today · 4.125%
HK$89,795
baseline
▲ 0.50% · 4.625%
HK$94,528
+HK$4,733/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,590/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,458
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,520
−HK$3,112/mo
Today · 4.125%
HK$104,632
baseline
▲ 0.50% · 4.625%
HK$110,999
+HK$6,367/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,264/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,533
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,471
−HK$2,980/mo
Today · 4.125%
HK$115,451
baseline
▲ 0.50% · 4.625%
HK$121,537
+HK$6,086/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,902/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,490 · Scale 2, in force from 26 Feb 2026)