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$53,754
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,426
−HK$1,698/mo
Today · 4.125%
HK$57,124
baseline
▲ 0.50% · 4.625%
HK$60,600
+HK$3,476/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,248/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,800
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,404
−HK$1,627/mo
Today · 4.125%
HK$63,031
baseline
▲ 0.50% · 4.625%
HK$66,354
+HK$3,323/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,062/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,504
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,511
−HK$2,038/mo
Today · 4.125%
HK$68,549
baseline
▲ 0.50% · 4.625%
HK$72,720
+HK$4,171/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,098/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,760
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,685
−HK$1,952/mo
Today · 4.125%
HK$75,637
baseline
▲ 0.50% · 4.625%
HK$79,624
+HK$3,987/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,274/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,255
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,596
−HK$2,378/mo
Today · 4.125%
HK$79,974
baseline
▲ 0.50% · 4.625%
HK$84,841
+HK$4,867/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,948/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,721
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,966
−HK$2,278/mo
Today · 4.125%
HK$88,244
baseline
▲ 0.50% · 4.625%
HK$92,895
+HK$4,651/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,488/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,757
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$99,766
−HK$3,058/mo
Today · 4.125%
HK$102,824
baseline
▲ 0.50% · 4.625%
HK$109,081
+HK$6,257/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,648/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,641
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,528
−HK$2,928/mo
Today · 4.125%
HK$113,456
baseline
▲ 0.50% · 4.625%
HK$119,437
+HK$5,981/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$226,912/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,875 · Scale 2, in force from 26 Feb 2026)