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$54,647
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,347
−HK$1,727/mo
Today · 4.125%
HK$58,074
baseline
▲ 0.50% · 4.625%
HK$61,607
+HK$3,533/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,148/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,794
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,425
−HK$1,654/mo
Today · 4.125%
HK$64,079
baseline
▲ 0.50% · 4.625%
HK$67,456
+HK$3,377/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,158/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,576
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,616
−HK$2,072/mo
Today · 4.125%
HK$69,688
baseline
▲ 0.50% · 4.625%
HK$73,929
+HK$4,241/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,376/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,953
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,909
−HK$1,985/mo
Today · 4.125%
HK$76,894
baseline
▲ 0.50% · 4.625%
HK$80,947
+HK$4,053/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,788/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,506
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,885
−HK$2,418/mo
Today · 4.125%
HK$81,303
baseline
▲ 0.50% · 4.625%
HK$86,250
+HK$4,947/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,606/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,112
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,394
−HK$2,316/mo
Today · 4.125%
HK$89,710
baseline
▲ 0.50% · 4.625%
HK$94,439
+HK$4,729/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,420/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,364
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$101,424
−HK$3,109/mo
Today · 4.125%
HK$104,533
baseline
▲ 0.50% · 4.625%
HK$110,893
+HK$6,360/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,066/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,429
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$112,364
−HK$2,977/mo
Today · 4.125%
HK$115,341
baseline
▲ 0.50% · 4.625%
HK$121,421
+HK$6,080/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,682/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,522 · Scale 2, in force from 26 Feb 2026)