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$53,675
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,345
−HK$1,696/mo
Today · 4.125%
HK$57,041
baseline
▲ 0.50% · 4.625%
HK$60,512
+HK$3,471/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,082/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,713
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,314
−HK$1,625/mo
Today · 4.125%
HK$62,939
baseline
▲ 0.50% · 4.625%
HK$66,257
+HK$3,318/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,878/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,410
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,413
−HK$2,036/mo
Today · 4.125%
HK$68,449
baseline
▲ 0.50% · 4.625%
HK$72,614
+HK$4,165/mo
Deposit HK$9.42M · loan HK$14.12M · min. income ≈ HK$136,898/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,655
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,577
−HK$1,950/mo
Today · 4.125%
HK$75,527
baseline
▲ 0.50% · 4.625%
HK$79,508
+HK$3,981/mo
Deposit HK$9.42M · loan HK$14.12M · min. income ≈ HK$151,054/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,145
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,482
−HK$2,375/mo
Today · 4.125%
HK$79,857
baseline
▲ 0.50% · 4.625%
HK$84,716
+HK$4,859/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,714/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,598
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,840
−HK$2,275/mo
Today · 4.125%
HK$88,115
baseline
▲ 0.50% · 4.625%
HK$92,759
+HK$4,644/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,230/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,615
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,620
−HK$3,054/mo
Today · 4.125%
HK$102,674
baseline
▲ 0.50% · 4.625%
HK$108,921
+HK$6,247/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,348/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,483
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,366
−HK$2,924/mo
Today · 4.125%
HK$113,290
baseline
▲ 0.50% · 4.625%
HK$119,262
+HK$5,972/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,580/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,408 · Scale 2, in force from 26 Feb 2026)