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$54,988
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,699
−HK$1,738/mo
Today · 4.125%
HK$58,437
baseline
▲ 0.50% · 4.625%
HK$61,992
+HK$3,555/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,874/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,174
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,815
−HK$1,664/mo
Today · 4.125%
HK$64,479
baseline
▲ 0.50% · 4.625%
HK$67,878
+HK$3,399/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,958/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,986
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,039
−HK$2,085/mo
Today · 4.125%
HK$70,124
baseline
▲ 0.50% · 4.625%
HK$74,391
+HK$4,267/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,248/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,409
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,378
−HK$1,997/mo
Today · 4.125%
HK$77,375
baseline
▲ 0.50% · 4.625%
HK$81,454
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,750/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,984
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,378
−HK$2,433/mo
Today · 4.125%
HK$81,811
baseline
▲ 0.50% · 4.625%
HK$86,789
+HK$4,978/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,622/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,644
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,941
−HK$2,330/mo
Today · 4.125%
HK$90,271
baseline
▲ 0.50% · 4.625%
HK$95,029
+HK$4,758/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,542/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,979
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,058
−HK$3,128/mo
Today · 4.125%
HK$105,186
baseline
▲ 0.50% · 4.625%
HK$111,586
+HK$6,400/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,372/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,113
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,067
−HK$2,995/mo
Today · 4.125%
HK$116,062
baseline
▲ 0.50% · 4.625%
HK$122,180
+HK$6,118/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,124/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,889 · Scale 2, in force from 26 Feb 2026)