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$53,699
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,369
−HK$1,697/mo
Today · 4.125%
HK$57,066
baseline
▲ 0.50% · 4.625%
HK$60,538
+HK$3,472/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,132/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,000,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,739
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,342
−HK$1,625/mo
Today · 4.125%
HK$62,967
baseline
▲ 0.50% · 4.625%
HK$66,286
+HK$3,319/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,934/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,000,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,439
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,443
−HK$2,036/mo
Today · 4.125%
HK$68,479
baseline
▲ 0.50% · 4.625%
HK$72,646
+HK$4,167/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,958/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,687
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,610
−HK$1,950/mo
Today · 4.125%
HK$75,560
baseline
▲ 0.50% · 4.625%
HK$79,543
+HK$3,983/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,120/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,178
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,517
−HK$2,376/mo
Today · 4.125%
HK$79,893
baseline
▲ 0.50% · 4.625%
HK$84,754
+HK$4,861/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,786/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,000,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,635
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,878
−HK$2,276/mo
Today · 4.125%
HK$88,154
baseline
▲ 0.50% · 4.625%
HK$92,800
+HK$4,646/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,308/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,000,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,658
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,664
−HK$3,055/mo
Today · 4.125%
HK$102,719
baseline
▲ 0.50% · 4.625%
HK$108,969
+HK$6,250/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,438/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,531
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$110,415
−HK$2,925/mo
Today · 4.125%
HK$113,340
baseline
▲ 0.50% · 4.625%
HK$119,315
+HK$5,975/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,680/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,852 · Scale 2, in force from 26 Feb 2026)