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$54,614
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,313
−HK$1,726/mo
Today · 4.125%
HK$58,039
baseline
▲ 0.50% · 4.625%
HK$61,571
+HK$3,532/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,078/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,758
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,387
−HK$1,654/mo
Today · 4.125%
HK$64,041
baseline
▲ 0.50% · 4.625%
HK$67,416
+HK$3,375/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,082/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,537
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,576
−HK$2,071/mo
Today · 4.125%
HK$69,647
baseline
▲ 0.50% · 4.625%
HK$73,885
+HK$4,238/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,294/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,910
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,865
−HK$1,984/mo
Today · 4.125%
HK$76,849
baseline
▲ 0.50% · 4.625%
HK$80,899
+HK$4,050/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,698/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,460
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,838
−HK$2,417/mo
Today · 4.125%
HK$81,255
baseline
▲ 0.50% · 4.625%
HK$86,199
+HK$4,944/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,510/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,061
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,342
−HK$2,315/mo
Today · 4.125%
HK$89,657
baseline
▲ 0.50% · 4.625%
HK$94,383
+HK$4,726/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,314/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,306
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,364
−HK$3,107/mo
Today · 4.125%
HK$104,471
baseline
▲ 0.50% · 4.625%
HK$110,827
+HK$6,356/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$208,942/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,364
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,297
−HK$2,976/mo
Today · 4.125%
HK$115,273
baseline
▲ 0.50% · 4.625%
HK$121,349
+HK$6,076/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$230,546/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,917 · Scale 2, in force from 26 Feb 2026)