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$53,681
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,351
−HK$1,697/mo
Today · 4.125%
HK$57,048
baseline
▲ 0.50% · 4.625%
HK$60,519
+HK$3,471/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,096/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,720
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,322
−HK$1,624/mo
Today · 4.125%
HK$62,946
baseline
▲ 0.50% · 4.625%
HK$66,264
+HK$3,318/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,892/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,418
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,421
−HK$2,036/mo
Today · 4.125%
HK$68,457
baseline
▲ 0.50% · 4.625%
HK$72,623
+HK$4,166/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,914/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,664
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,586
−HK$1,950/mo
Today · 4.125%
HK$75,536
baseline
▲ 0.50% · 4.625%
HK$79,517
+HK$3,981/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,072/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,154
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,492
−HK$2,375/mo
Today · 4.125%
HK$79,867
baseline
▲ 0.50% · 4.625%
HK$84,726
+HK$4,859/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,734/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,608
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,850
−HK$2,275/mo
Today · 4.125%
HK$88,125
baseline
▲ 0.50% · 4.625%
HK$92,770
+HK$4,645/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,250/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,626
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$99,632
−HK$3,054/mo
Today · 4.125%
HK$102,686
baseline
▲ 0.50% · 4.625%
HK$108,934
+HK$6,248/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,372/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,496
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$110,379
−HK$2,925/mo
Today · 4.125%
HK$113,304
baseline
▲ 0.50% · 4.625%
HK$119,276
+HK$5,972/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,608/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,527 · Scale 2, in force from 26 Feb 2026)