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$53,658
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,327
−HK$1,696/mo
Today · 4.125%
HK$57,023
baseline
▲ 0.50% · 4.625%
HK$60,493
+HK$3,470/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,046/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,694
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,295
−HK$1,624/mo
Today · 4.125%
HK$62,919
baseline
▲ 0.50% · 4.625%
HK$66,236
+HK$3,317/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,838/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,390
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,393
−HK$2,035/mo
Today · 4.125%
HK$68,428
baseline
▲ 0.50% · 4.625%
HK$72,591
+HK$4,163/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$136,856/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,000,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,633
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,554
−HK$1,949/mo
Today · 4.125%
HK$75,503
baseline
▲ 0.50% · 4.625%
HK$79,483
+HK$3,980/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$151,006/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,000,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,122
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,458
−HK$2,374/mo
Today · 4.125%
HK$79,832
baseline
▲ 0.50% · 4.625%
HK$84,690
+HK$4,858/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,664/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,572
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,813
−HK$2,274/mo
Today · 4.125%
HK$88,087
baseline
▲ 0.50% · 4.625%
HK$92,730
+HK$4,643/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,174/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,585
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$99,589
−HK$3,053/mo
Today · 4.125%
HK$102,642
baseline
▲ 0.50% · 4.625%
HK$108,887
+HK$6,245/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$205,284/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,450
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,331
−HK$2,924/mo
Today · 4.125%
HK$113,255
baseline
▲ 0.50% · 4.625%
HK$119,225
+HK$5,970/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$226,510/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,097 · Scale 2, in force from 26 Feb 2026)