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$53,671
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,340
−HK$1,696/mo
Today · 4.125%
HK$57,036
baseline
▲ 0.50% · 4.625%
HK$60,507
+HK$3,471/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,072/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,708
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,310
−HK$1,624/mo
Today · 4.125%
HK$62,934
baseline
▲ 0.50% · 4.625%
HK$66,251
+HK$3,317/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,868/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,405
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,408
−HK$2,036/mo
Today · 4.125%
HK$68,444
baseline
▲ 0.50% · 4.625%
HK$72,608
+HK$4,164/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$136,888/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,650
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,571
−HK$1,950/mo
Today · 4.125%
HK$75,521
baseline
▲ 0.50% · 4.625%
HK$79,502
+HK$3,981/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$151,042/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,139
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,476
−HK$2,375/mo
Today · 4.125%
HK$79,851
baseline
▲ 0.50% · 4.625%
HK$84,710
+HK$4,859/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,702/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,592
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,833
−HK$2,275/mo
Today · 4.125%
HK$88,108
baseline
▲ 0.50% · 4.625%
HK$92,752
+HK$4,644/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,216/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,607
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,612
−HK$3,054/mo
Today · 4.125%
HK$102,666
baseline
▲ 0.50% · 4.625%
HK$108,913
+HK$6,247/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$205,332/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,475
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,357
−HK$2,924/mo
Today · 4.125%
HK$113,281
baseline
▲ 0.50% · 4.625%
HK$119,253
+HK$5,972/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$226,562/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,330 · Scale 2, in force from 26 Feb 2026)