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$54,617
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,316
−HK$1,726/mo
Today · 4.125%
HK$58,042
baseline
▲ 0.50% · 4.625%
HK$61,574
+HK$3,532/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,084/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,761
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,391
−HK$1,653/mo
Today · 4.125%
HK$64,044
baseline
▲ 0.50% · 4.625%
HK$67,420
+HK$3,376/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,088/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,541
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,579
−HK$2,072/mo
Today · 4.125%
HK$69,651
baseline
▲ 0.50% · 4.625%
HK$73,889
+HK$4,238/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,302/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,913
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,869
−HK$1,984/mo
Today · 4.125%
HK$76,853
baseline
▲ 0.50% · 4.625%
HK$80,904
+HK$4,051/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,706/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,464
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,843
−HK$2,416/mo
Today · 4.125%
HK$81,259
baseline
▲ 0.50% · 4.625%
HK$86,204
+HK$4,945/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,518/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,066
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,347
−HK$2,315/mo
Today · 4.125%
HK$89,662
baseline
▲ 0.50% · 4.625%
HK$94,388
+HK$4,726/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,324/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,311
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,369
−HK$3,107/mo
Today · 4.125%
HK$104,476
baseline
▲ 0.50% · 4.625%
HK$110,833
+HK$6,357/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$208,952/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,370
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,303
−HK$2,976/mo
Today · 4.125%
HK$115,279
baseline
▲ 0.50% · 4.625%
HK$121,356
+HK$6,077/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$230,558/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,972 · Scale 2, in force from 26 Feb 2026)