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$53,686
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,356
−HK$1,696/mo
Today · 4.125%
HK$57,052
baseline
▲ 0.50% · 4.625%
HK$60,524
+HK$3,472/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,104/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,725
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,327
−HK$1,624/mo
Today · 4.125%
HK$62,951
baseline
▲ 0.50% · 4.625%
HK$66,270
+HK$3,319/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,902/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,423
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,427
−HK$2,036/mo
Today · 4.125%
HK$68,463
baseline
▲ 0.50% · 4.625%
HK$72,628
+HK$4,165/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,926/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,670
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,592
−HK$1,950/mo
Today · 4.125%
HK$75,542
baseline
▲ 0.50% · 4.625%
HK$79,524
+HK$3,982/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,084/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,160
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,498
−HK$2,375/mo
Today · 4.125%
HK$79,873
baseline
▲ 0.50% · 4.625%
HK$84,733
+HK$4,860/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,746/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,615
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,857
−HK$2,275/mo
Today · 4.125%
HK$88,132
baseline
▲ 0.50% · 4.625%
HK$92,778
+HK$4,646/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,264/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,634
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$99,640
−HK$3,054/mo
Today · 4.125%
HK$102,694
baseline
▲ 0.50% · 4.625%
HK$108,943
+HK$6,249/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,388/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,505
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$110,388
−HK$2,925/mo
Today · 4.125%
HK$113,313
baseline
▲ 0.50% · 4.625%
HK$119,286
+HK$5,973/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,626/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,607 · Scale 2, in force from 26 Feb 2026)