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$53,683
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,353
−HK$1,697/mo
Today · 4.125%
HK$57,050
baseline
▲ 0.50% · 4.625%
HK$60,521
+HK$3,471/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,100/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,722
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,324
−HK$1,625/mo
Today · 4.125%
HK$62,949
baseline
▲ 0.50% · 4.625%
HK$66,267
+HK$3,318/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,898/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,420
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,424
−HK$2,036/mo
Today · 4.125%
HK$68,460
baseline
▲ 0.50% · 4.625%
HK$72,625
+HK$4,165/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,920/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,667
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,589
−HK$1,950/mo
Today · 4.125%
HK$75,539
baseline
▲ 0.50% · 4.625%
HK$79,520
+HK$3,981/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,078/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,157
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,495
−HK$2,375/mo
Today · 4.125%
HK$79,870
baseline
▲ 0.50% · 4.625%
HK$84,730
+HK$4,860/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,740/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,611
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,854
−HK$2,274/mo
Today · 4.125%
HK$88,128
baseline
▲ 0.50% · 4.625%
HK$92,774
+HK$4,646/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,256/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,630
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$99,636
−HK$3,054/mo
Today · 4.125%
HK$102,690
baseline
▲ 0.50% · 4.625%
HK$108,938
+HK$6,248/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,380/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,500
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$110,383
−HK$2,925/mo
Today · 4.125%
HK$113,308
baseline
▲ 0.50% · 4.625%
HK$119,281
+HK$5,973/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,616/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,565 · Scale 2, in force from 26 Feb 2026)