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$53,694
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,364
−HK$1,697/mo
Today · 4.125%
HK$57,061
baseline
▲ 0.50% · 4.625%
HK$60,533
+HK$3,472/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,122/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,734
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,336
−HK$1,625/mo
Today · 4.125%
HK$62,961
baseline
▲ 0.50% · 4.625%
HK$66,280
+HK$3,319/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,922/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,433
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,437
−HK$2,036/mo
Today · 4.125%
HK$68,473
baseline
▲ 0.50% · 4.625%
HK$72,639
+HK$4,166/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,946/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,681
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,603
−HK$1,950/mo
Today · 4.125%
HK$75,553
baseline
▲ 0.50% · 4.625%
HK$79,536
+HK$3,983/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,106/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,171
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,510
−HK$2,375/mo
Today · 4.125%
HK$79,885
baseline
▲ 0.50% · 4.625%
HK$84,746
+HK$4,861/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,770/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,627
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$85,870
−HK$2,275/mo
Today · 4.125%
HK$88,145
baseline
▲ 0.50% · 4.625%
HK$92,792
+HK$4,647/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,290/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,649
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,655
−HK$3,055/mo
Today · 4.125%
HK$102,710
baseline
▲ 0.50% · 4.625%
HK$108,959
+HK$6,249/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,420/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,521
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$110,404
−HK$2,926/mo
Today · 4.125%
HK$113,330
baseline
▲ 0.50% · 4.625%
HK$119,304
+HK$5,974/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,660/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,759 · Scale 2, in force from 26 Feb 2026)