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$53,674
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,344
−HK$1,696/mo
Today · 4.125%
HK$57,040
baseline
▲ 0.50% · 4.625%
HK$60,511
+HK$3,471/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,080/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,712
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,314
−HK$1,624/mo
Today · 4.125%
HK$62,938
baseline
▲ 0.50% · 4.625%
HK$66,256
+HK$3,318/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,876/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,409
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,413
−HK$2,035/mo
Today · 4.125%
HK$68,448
baseline
▲ 0.50% · 4.625%
HK$72,613
+HK$4,165/mo
Deposit HK$9.42M · loan HK$14.12M · min. income ≈ HK$136,896/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,655
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,577
−HK$1,949/mo
Today · 4.125%
HK$75,526
baseline
▲ 0.50% · 4.625%
HK$79,507
+HK$3,981/mo
Deposit HK$9.42M · loan HK$14.12M · min. income ≈ HK$151,052/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,144
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,482
−HK$2,375/mo
Today · 4.125%
HK$79,857
baseline
▲ 0.50% · 4.625%
HK$84,716
+HK$4,859/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,714/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,597
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,839
−HK$2,275/mo
Today · 4.125%
HK$88,114
baseline
▲ 0.50% · 4.625%
HK$92,758
+HK$4,644/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,228/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,614
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,619
−HK$3,054/mo
Today · 4.125%
HK$102,673
baseline
▲ 0.50% · 4.625%
HK$108,920
+HK$6,247/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$205,346/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,482
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,365
−HK$2,924/mo
Today · 4.125%
HK$113,289
baseline
▲ 0.50% · 4.625%
HK$119,261
+HK$5,972/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$226,578/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,399 · Scale 2, in force from 26 Feb 2026)