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$54,551
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,247
−HK$1,724/mo
Today · 4.125%
HK$57,971
baseline
▲ 0.50% · 4.625%
HK$61,499
+HK$3,528/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,942/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,687
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,315
−HK$1,651/mo
Today · 4.125%
HK$63,966
baseline
▲ 0.50% · 4.625%
HK$67,337
+HK$3,371/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,932/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,461
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,497
−HK$2,069/mo
Today · 4.125%
HK$69,566
baseline
▲ 0.50% · 4.625%
HK$73,799
+HK$4,233/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,132/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,824
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,778
−HK$1,981/mo
Today · 4.125%
HK$76,759
baseline
▲ 0.50% · 4.625%
HK$80,805
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,518/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,371
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,746
−HK$2,414/mo
Today · 4.125%
HK$81,160
baseline
▲ 0.50% · 4.625%
HK$86,098
+HK$4,938/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,320/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,962
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,240
−HK$2,312/mo
Today · 4.125%
HK$89,552
baseline
▲ 0.50% · 4.625%
HK$94,272
+HK$4,720/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,104/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,191
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,245
−HK$3,104/mo
Today · 4.125%
HK$104,349
baseline
▲ 0.50% · 4.625%
HK$110,698
+HK$6,349/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,698/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,237
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,166
−HK$2,972/mo
Today · 4.125%
HK$115,138
baseline
▲ 0.50% · 4.625%
HK$121,207
+HK$6,069/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,276/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,729 · Scale 2, in force from 26 Feb 2026)