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$54,826
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,531
−HK$1,733/mo
Today · 4.125%
HK$58,264
baseline
▲ 0.50% · 4.625%
HK$61,809
+HK$3,545/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,528/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,993
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,629
−HK$1,659/mo
Today · 4.125%
HK$64,288
baseline
▲ 0.50% · 4.625%
HK$67,677
+HK$3,389/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,576/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,791
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,837
−HK$2,080/mo
Today · 4.125%
HK$69,917
baseline
▲ 0.50% · 4.625%
HK$74,171
+HK$4,254/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,834/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,192
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,155
−HK$1,991/mo
Today · 4.125%
HK$77,146
baseline
▲ 0.50% · 4.625%
HK$81,212
+HK$4,066/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,292/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,756
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,144
−HK$2,425/mo
Today · 4.125%
HK$81,569
baseline
▲ 0.50% · 4.625%
HK$86,533
+HK$4,964/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,138/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,390
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,680
−HK$2,324/mo
Today · 4.125%
HK$90,004
baseline
▲ 0.50% · 4.625%
HK$94,748
+HK$4,744/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$180,008/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,686
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,756
−HK$3,119/mo
Today · 4.125%
HK$104,875
baseline
▲ 0.50% · 4.625%
HK$111,256
+HK$6,381/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,750/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,787
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,732
−HK$2,987/mo
Today · 4.125%
HK$115,719
baseline
▲ 0.50% · 4.625%
HK$121,819
+HK$6,100/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,438/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,856 · Scale 2, in force from 26 Feb 2026)