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$54,639
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,339
−HK$1,726/mo
Today · 4.125%
HK$58,065
baseline
▲ 0.50% · 4.625%
HK$61,599
+HK$3,534/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,130/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,785
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,416
−HK$1,653/mo
Today · 4.125%
HK$64,069
baseline
▲ 0.50% · 4.625%
HK$67,447
+HK$3,378/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,138/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,567
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,606
−HK$2,072/mo
Today · 4.125%
HK$69,678
baseline
▲ 0.50% · 4.625%
HK$73,918
+HK$4,240/mo
Deposit HK$9.58M · loan HK$14.38M · min. income ≈ HK$139,356/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,942
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,899
−HK$1,984/mo
Today · 4.125%
HK$76,883
baseline
▲ 0.50% · 4.625%
HK$80,936
+HK$4,053/mo
Deposit HK$9.58M · loan HK$14.38M · min. income ≈ HK$153,766/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,495
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,874
−HK$2,418/mo
Today · 4.125%
HK$81,292
baseline
▲ 0.50% · 4.625%
HK$86,238
+HK$4,946/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,584/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,100
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,382
−HK$2,315/mo
Today · 4.125%
HK$89,697
baseline
▲ 0.50% · 4.625%
HK$94,425
+HK$4,728/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,394/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,350
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,410
−HK$3,108/mo
Today · 4.125%
HK$104,518
baseline
▲ 0.50% · 4.625%
HK$110,877
+HK$6,359/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,036/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,414
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$112,348
−HK$2,977/mo
Today · 4.125%
HK$115,325
baseline
▲ 0.50% · 4.625%
HK$121,404
+HK$6,079/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,650/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,377 · Scale 2, in force from 26 Feb 2026)