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$53,673
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,342
−HK$1,696/mo
Today · 4.125%
HK$57,038
baseline
▲ 0.50% · 4.625%
HK$60,509
+HK$3,471/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,076/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,710
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,312
−HK$1,624/mo
Today · 4.125%
HK$62,936
baseline
▲ 0.50% · 4.625%
HK$66,254
+HK$3,318/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,872/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,407
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,411
−HK$2,035/mo
Today · 4.125%
HK$68,446
baseline
▲ 0.50% · 4.625%
HK$72,611
+HK$4,165/mo
Deposit HK$9.42M · loan HK$14.12M · min. income ≈ HK$136,892/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,652
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,574
−HK$1,949/mo
Today · 4.125%
HK$75,523
baseline
▲ 0.50% · 4.625%
HK$79,504
+HK$3,981/mo
Deposit HK$9.42M · loan HK$14.12M · min. income ≈ HK$151,046/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,142
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,479
−HK$2,375/mo
Today · 4.125%
HK$79,854
baseline
▲ 0.50% · 4.625%
HK$84,713
+HK$4,859/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,708/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,594
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,836
−HK$2,275/mo
Today · 4.125%
HK$88,111
baseline
▲ 0.50% · 4.625%
HK$92,755
+HK$4,644/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,222/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,611
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,616
−HK$3,053/mo
Today · 4.125%
HK$102,669
baseline
▲ 0.50% · 4.625%
HK$108,916
+HK$6,247/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$205,338/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,478
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,361
−HK$2,924/mo
Today · 4.125%
HK$113,285
baseline
▲ 0.50% · 4.625%
HK$119,257
+HK$5,972/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$226,570/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,365 · Scale 2, in force from 26 Feb 2026)