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$53,685
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,355
−HK$1,696/mo
Today · 4.125%
HK$57,051
baseline
▲ 0.50% · 4.625%
HK$60,523
+HK$3,472/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,102/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,724
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,326
−HK$1,625/mo
Today · 4.125%
HK$62,951
baseline
▲ 0.50% · 4.625%
HK$66,269
+HK$3,318/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,902/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,422
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,426
−HK$2,036/mo
Today · 4.125%
HK$68,462
baseline
▲ 0.50% · 4.625%
HK$72,627
+HK$4,165/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,924/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,669
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,591
−HK$1,950/mo
Today · 4.125%
HK$75,541
baseline
▲ 0.50% · 4.625%
HK$79,523
+HK$3,982/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,082/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,159
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,497
−HK$2,375/mo
Today · 4.125%
HK$79,872
baseline
▲ 0.50% · 4.625%
HK$84,732
+HK$4,860/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,744/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,613
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$85,856
−HK$2,275/mo
Today · 4.125%
HK$88,131
baseline
▲ 0.50% · 4.625%
HK$92,776
+HK$4,645/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,262/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,633
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$99,639
−HK$3,054/mo
Today · 4.125%
HK$102,693
baseline
▲ 0.50% · 4.625%
HK$108,941
+HK$6,248/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,386/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,503
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$110,386
−HK$2,925/mo
Today · 4.125%
HK$113,311
baseline
▲ 0.50% · 4.625%
HK$119,284
+HK$5,973/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,622/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,593 · Scale 2, in force from 26 Feb 2026)