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$53,670
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,340
−HK$1,696/mo
Today · 4.125%
HK$57,036
baseline
▲ 0.50% · 4.625%
HK$60,507
+HK$3,471/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,072/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,708
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,309
−HK$1,625/mo
Today · 4.125%
HK$62,934
baseline
▲ 0.50% · 4.625%
HK$66,251
+HK$3,317/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,868/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,404
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,408
−HK$2,035/mo
Today · 4.125%
HK$68,443
baseline
▲ 0.50% · 4.625%
HK$72,608
+HK$4,165/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$136,886/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,649
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,571
−HK$1,949/mo
Today · 4.125%
HK$75,520
baseline
▲ 0.50% · 4.625%
HK$79,501
+HK$3,981/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$151,040/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,139
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,476
−HK$2,374/mo
Today · 4.125%
HK$79,850
baseline
▲ 0.50% · 4.625%
HK$84,709
+HK$4,859/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,700/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,591
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,833
−HK$2,274/mo
Today · 4.125%
HK$88,107
baseline
▲ 0.50% · 4.625%
HK$92,751
+HK$4,644/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,214/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,607
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,612
−HK$3,053/mo
Today · 4.125%
HK$102,665
baseline
▲ 0.50% · 4.625%
HK$108,912
+HK$6,247/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$205,330/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,474
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,356
−HK$2,925/mo
Today · 4.125%
HK$113,281
baseline
▲ 0.50% · 4.625%
HK$119,252
+HK$5,971/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$226,562/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,323 · Scale 2, in force from 26 Feb 2026)