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$53,691
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,361
−HK$1,697/mo
Today · 4.125%
HK$57,058
baseline
▲ 0.50% · 4.625%
HK$60,530
+HK$3,472/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,116/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,731
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,333
−HK$1,625/mo
Today · 4.125%
HK$62,958
baseline
▲ 0.50% · 4.625%
HK$66,277
+HK$3,319/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,916/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,430
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,434
−HK$2,036/mo
Today · 4.125%
HK$68,470
baseline
▲ 0.50% · 4.625%
HK$72,636
+HK$4,166/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,940/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,677
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,600
−HK$1,950/mo
Today · 4.125%
HK$75,550
baseline
▲ 0.50% · 4.625%
HK$79,532
+HK$3,982/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,100/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,168
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,506
−HK$2,376/mo
Today · 4.125%
HK$79,882
baseline
▲ 0.50% · 4.625%
HK$84,742
+HK$4,860/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,764/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,624
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,866
−HK$2,275/mo
Today · 4.125%
HK$88,141
baseline
▲ 0.50% · 4.625%
HK$92,787
+HK$4,646/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,282/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,644
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,651
−HK$3,054/mo
Today · 4.125%
HK$102,705
baseline
▲ 0.50% · 4.625%
HK$108,954
+HK$6,249/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,410/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,516
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$110,399
−HK$2,926/mo
Today · 4.125%
HK$113,325
baseline
▲ 0.50% · 4.625%
HK$119,298
+HK$5,973/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,650/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,713 · Scale 2, in force from 26 Feb 2026)