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$54,604
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,303
−HK$1,725/mo
Today · 4.125%
HK$58,028
baseline
▲ 0.50% · 4.625%
HK$61,559
+HK$3,531/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,056/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,747
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,376
−HK$1,653/mo
Today · 4.125%
HK$64,029
baseline
▲ 0.50% · 4.625%
HK$67,404
+HK$3,375/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,058/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,525
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,563
−HK$2,071/mo
Today · 4.125%
HK$69,634
baseline
▲ 0.50% · 4.625%
HK$73,871
+HK$4,237/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,268/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,896
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,851
−HK$1,983/mo
Today · 4.125%
HK$76,834
baseline
▲ 0.50% · 4.625%
HK$80,884
+HK$4,050/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,668/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,446
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,824
−HK$2,416/mo
Today · 4.125%
HK$81,240
baseline
▲ 0.50% · 4.625%
HK$86,183
+HK$4,943/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,480/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,045
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,326
−HK$2,314/mo
Today · 4.125%
HK$89,640
baseline
▲ 0.50% · 4.625%
HK$94,365
+HK$4,725/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,280/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,288
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,345
−HK$3,106/mo
Today · 4.125%
HK$104,451
baseline
▲ 0.50% · 4.625%
HK$110,807
+HK$6,356/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,902/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,344
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,277
−HK$2,975/mo
Today · 4.125%
HK$115,252
baseline
▲ 0.50% · 4.625%
HK$121,327
+HK$6,075/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,504/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,729 · Scale 2, in force from 26 Feb 2026)