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$53,673
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,343
−HK$1,696/mo
Today · 4.125%
HK$57,039
baseline
▲ 0.50% · 4.625%
HK$60,510
+HK$3,471/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,078/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,711
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,312
−HK$1,625/mo
Today · 4.125%
HK$62,937
baseline
▲ 0.50% · 4.625%
HK$66,255
+HK$3,318/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,874/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,408
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,411
−HK$2,036/mo
Today · 4.125%
HK$68,447
baseline
▲ 0.50% · 4.625%
HK$72,612
+HK$4,165/mo
Deposit HK$9.42M · loan HK$14.12M · min. income ≈ HK$136,894/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,653
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,575
−HK$1,949/mo
Today · 4.125%
HK$75,524
baseline
▲ 0.50% · 4.625%
HK$79,505
+HK$3,981/mo
Deposit HK$9.42M · loan HK$14.12M · min. income ≈ HK$151,048/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,143
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,480
−HK$2,375/mo
Today · 4.125%
HK$79,855
baseline
▲ 0.50% · 4.625%
HK$84,714
+HK$4,859/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,710/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,595
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,837
−HK$2,275/mo
Today · 4.125%
HK$88,112
baseline
▲ 0.50% · 4.625%
HK$92,756
+HK$4,644/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,224/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,612
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,617
−HK$3,053/mo
Today · 4.125%
HK$102,670
baseline
▲ 0.50% · 4.625%
HK$108,918
+HK$6,248/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$205,340/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,480
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,362
−HK$2,925/mo
Today · 4.125%
HK$113,287
baseline
▲ 0.50% · 4.625%
HK$119,258
+HK$5,971/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$226,574/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,378 · Scale 2, in force from 26 Feb 2026)