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$53,684
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,354
−HK$1,696/mo
Today · 4.125%
HK$57,050
baseline
▲ 0.50% · 4.625%
HK$60,522
+HK$3,472/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$1,000,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,723
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,324
−HK$1,625/mo
Today · 4.125%
HK$62,949
baseline
▲ 0.50% · 4.625%
HK$66,268
+HK$3,319/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$1,000,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,421
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,424
−HK$2,036/mo
Today · 4.125%
HK$68,460
baseline
▲ 0.50% · 4.625%
HK$72,626
+HK$4,166/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$1,000,574 · 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$79,521
+HK$3,982/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$1,000,574 · 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$1,000,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,612
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,854
−HK$2,275/mo
Today · 4.125%
HK$88,129
baseline
▲ 0.50% · 4.625%
HK$92,775
+HK$4,646/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,258/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,631
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$99,637
−HK$3,054/mo
Today · 4.125%
HK$102,691
baseline
▲ 0.50% · 4.625%
HK$108,939
+HK$6,248/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,382/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,501
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$110,384
−HK$2,925/mo
Today · 4.125%
HK$113,309
baseline
▲ 0.50% · 4.625%
HK$119,282
+HK$5,973/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,618/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,574 · Scale 2, in force from 26 Feb 2026)