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$53,669
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,338
−HK$1,696/mo
Today · 4.125%
HK$57,034
baseline
▲ 0.50% · 4.625%
HK$60,505
+HK$3,471/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,068/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,706
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,307
−HK$1,625/mo
Today · 4.125%
HK$62,932
baseline
▲ 0.50% · 4.625%
HK$66,249
+HK$3,317/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,864/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,402
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,406
−HK$2,035/mo
Today · 4.125%
HK$68,441
baseline
▲ 0.50% · 4.625%
HK$72,605
+HK$4,164/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$136,882/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,000,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,647
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,569
−HK$1,949/mo
Today · 4.125%
HK$75,518
baseline
▲ 0.50% · 4.625%
HK$79,499
+HK$3,981/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$151,036/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,000,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,136
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,473
−HK$2,375/mo
Today · 4.125%
HK$79,848
baseline
▲ 0.50% · 4.625%
HK$84,706
+HK$4,858/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,696/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,588
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,830
−HK$2,274/mo
Today · 4.125%
HK$88,104
baseline
▲ 0.50% · 4.625%
HK$92,748
+HK$4,644/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,208/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,604
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,609
−HK$3,053/mo
Today · 4.125%
HK$102,662
baseline
▲ 0.50% · 4.625%
HK$108,908
+HK$6,246/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$205,324/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,471
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,353
−HK$2,924/mo
Today · 4.125%
HK$113,277
baseline
▲ 0.50% · 4.625%
HK$119,248
+HK$5,971/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$226,554/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,291 · Scale 2, in force from 26 Feb 2026)