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$54,664
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,364
−HK$1,727/mo
Today · 4.125%
HK$58,091
baseline
▲ 0.50% · 4.625%
HK$61,626
+HK$3,535/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,182/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,018,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,813
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,444
−HK$1,654/mo
Today · 4.125%
HK$64,098
baseline
▲ 0.50% · 4.625%
HK$67,477
+HK$3,379/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,196/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,018,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,596
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,637
−HK$2,073/mo
Today · 4.125%
HK$69,710
baseline
▲ 0.50% · 4.625%
HK$73,951
+HK$4,241/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,420/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,975
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,932
−HK$1,986/mo
Today · 4.125%
HK$76,918
baseline
▲ 0.50% · 4.625%
HK$80,972
+HK$4,054/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,836/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,529
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,909
−HK$2,419/mo
Today · 4.125%
HK$81,328
baseline
▲ 0.50% · 4.625%
HK$86,277
+HK$4,949/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,656/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,138
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,421
−HK$2,316/mo
Today · 4.125%
HK$89,737
baseline
▲ 0.50% · 4.625%
HK$94,468
+HK$4,731/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,474/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,394
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,455
−HK$3,110/mo
Today · 4.125%
HK$104,565
baseline
▲ 0.50% · 4.625%
HK$110,927
+HK$6,362/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$209,130/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,463
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,399
−HK$2,978/mo
Today · 4.125%
HK$115,377
baseline
▲ 0.50% · 4.625%
HK$121,458
+HK$6,081/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$230,754/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,834 · Scale 2, in force from 26 Feb 2026)