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$53,680
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,350
−HK$1,696/mo
Today · 4.125%
HK$57,046
baseline
▲ 0.50% · 4.625%
HK$60,517
+HK$3,471/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,092/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,718
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,320
−HK$1,625/mo
Today · 4.125%
HK$62,945
baseline
▲ 0.50% · 4.625%
HK$66,262
+HK$3,317/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,890/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,416
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,419
−HK$2,036/mo
Today · 4.125%
HK$68,455
baseline
▲ 0.50% · 4.625%
HK$72,620
+HK$4,165/mo
Deposit HK$9.42M · loan HK$14.12M · min. income ≈ HK$136,910/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,662
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,584
−HK$1,950/mo
Today · 4.125%
HK$75,534
baseline
▲ 0.50% · 4.625%
HK$79,515
+HK$3,981/mo
Deposit HK$9.42M · loan HK$14.12M · min. income ≈ HK$151,068/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,152
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,489
−HK$2,375/mo
Today · 4.125%
HK$79,864
baseline
▲ 0.50% · 4.625%
HK$84,724
+HK$4,860/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,728/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,605
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,848
−HK$2,274/mo
Today · 4.125%
HK$88,122
baseline
▲ 0.50% · 4.625%
HK$92,767
+HK$4,645/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,244/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,624
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,629
−HK$3,054/mo
Today · 4.125%
HK$102,683
baseline
▲ 0.50% · 4.625%
HK$108,931
+HK$6,248/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,366/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,493
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,376
−HK$2,924/mo
Today · 4.125%
HK$113,300
baseline
▲ 0.50% · 4.625%
HK$119,272
+HK$5,972/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,600/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,498 · Scale 2, in force from 26 Feb 2026)