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$53,698
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,368
−HK$1,697/mo
Today · 4.125%
HK$57,065
baseline
▲ 0.50% · 4.625%
HK$60,537
+HK$3,472/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,130/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,000,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,738
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,340
−HK$1,626/mo
Today · 4.125%
HK$62,966
baseline
▲ 0.50% · 4.625%
HK$66,285
+HK$3,319/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,932/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,000,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,437
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,442
−HK$2,036/mo
Today · 4.125%
HK$68,478
baseline
▲ 0.50% · 4.625%
HK$72,645
+HK$4,167/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,956/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,686
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,608
−HK$1,951/mo
Today · 4.125%
HK$75,559
baseline
▲ 0.50% · 4.625%
HK$79,541
+HK$3,982/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,118/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,177
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,515
−HK$2,376/mo
Today · 4.125%
HK$79,891
baseline
▲ 0.50% · 4.625%
HK$84,752
+HK$4,861/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,782/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,000,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,633
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,876
−HK$2,276/mo
Today · 4.125%
HK$88,152
baseline
▲ 0.50% · 4.625%
HK$92,798
+HK$4,646/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,304/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,000,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,656
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,662
−HK$3,055/mo
Today · 4.125%
HK$102,717
baseline
▲ 0.50% · 4.625%
HK$108,967
+HK$6,250/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,434/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,529
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$110,412
−HK$2,926/mo
Today · 4.125%
HK$113,338
baseline
▲ 0.50% · 4.625%
HK$119,312
+HK$5,974/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,676/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,831 · Scale 2, in force from 26 Feb 2026)