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$53,707
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,377
−HK$1,698/mo
Today · 4.125%
HK$57,075
baseline
▲ 0.50% · 4.625%
HK$60,548
+HK$3,473/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,150/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,748
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,351
−HK$1,625/mo
Today · 4.125%
HK$62,976
baseline
▲ 0.50% · 4.625%
HK$66,296
+HK$3,320/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$125,952/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,448
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,453
−HK$2,037/mo
Today · 4.125%
HK$68,490
baseline
▲ 0.50% · 4.625%
HK$72,657
+HK$4,167/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,980/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,001,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,698
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,621
−HK$1,951/mo
Today · 4.125%
HK$75,572
baseline
▲ 0.50% · 4.625%
HK$79,555
+HK$3,983/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,144/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,001,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,190
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,528
−HK$2,377/mo
Today · 4.125%
HK$79,905
baseline
▲ 0.50% · 4.625%
HK$84,767
+HK$4,862/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,810/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,648
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,891
−HK$2,276/mo
Today · 4.125%
HK$88,167
baseline
▲ 0.50% · 4.625%
HK$92,814
+HK$4,647/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,334/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,672
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$99,679
−HK$3,055/mo
Today · 4.125%
HK$102,734
baseline
▲ 0.50% · 4.625%
HK$108,986
+HK$6,252/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$205,468/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,547
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$110,431
−HK$2,926/mo
Today · 4.125%
HK$113,357
baseline
▲ 0.50% · 4.625%
HK$119,333
+HK$5,976/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$226,714/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,001 · Scale 2, in force from 26 Feb 2026)