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$53,688
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,358
−HK$1,697/mo
Today · 4.125%
HK$57,055
baseline
▲ 0.50% · 4.625%
HK$60,526
+HK$3,471/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,110/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,727
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,329
−HK$1,625/mo
Today · 4.125%
HK$62,954
baseline
▲ 0.50% · 4.625%
HK$66,273
+HK$3,319/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,908/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,426
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,430
−HK$2,036/mo
Today · 4.125%
HK$68,466
baseline
▲ 0.50% · 4.625%
HK$72,632
+HK$4,166/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,932/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,673
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,595
−HK$1,950/mo
Today · 4.125%
HK$75,545
baseline
▲ 0.50% · 4.625%
HK$79,527
+HK$3,982/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,090/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,163
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,501
−HK$2,376/mo
Today · 4.125%
HK$79,877
baseline
▲ 0.50% · 4.625%
HK$84,737
+HK$4,860/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,754/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,618
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$85,861
−HK$2,275/mo
Today · 4.125%
HK$88,136
baseline
▲ 0.50% · 4.625%
HK$92,782
+HK$4,646/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,272/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,639
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$99,645
−HK$3,054/mo
Today · 4.125%
HK$102,699
baseline
▲ 0.50% · 4.625%
HK$108,948
+HK$6,249/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,398/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,509
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$110,393
−HK$2,925/mo
Today · 4.125%
HK$113,318
baseline
▲ 0.50% · 4.625%
HK$119,291
+HK$5,973/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,636/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,653 · Scale 2, in force from 26 Feb 2026)