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$53,679
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,348
−HK$1,697/mo
Today · 4.125%
HK$57,045
baseline
▲ 0.50% · 4.625%
HK$60,516
+HK$3,471/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,090/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,717
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,318
−HK$1,625/mo
Today · 4.125%
HK$62,943
baseline
▲ 0.50% · 4.625%
HK$66,261
+HK$3,318/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,886/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,414
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,418
−HK$2,036/mo
Today · 4.125%
HK$68,454
baseline
▲ 0.50% · 4.625%
HK$72,619
+HK$4,165/mo
Deposit HK$9.42M · loan HK$14.12M · min. income ≈ HK$136,908/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,660
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,582
−HK$1,950/mo
Today · 4.125%
HK$75,532
baseline
▲ 0.50% · 4.625%
HK$79,513
+HK$3,981/mo
Deposit HK$9.42M · loan HK$14.12M · min. income ≈ HK$151,064/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,150
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,488
−HK$2,375/mo
Today · 4.125%
HK$79,863
baseline
▲ 0.50% · 4.625%
HK$84,722
+HK$4,859/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,726/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,604
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,846
−HK$2,275/mo
Today · 4.125%
HK$88,121
baseline
▲ 0.50% · 4.625%
HK$92,765
+HK$4,644/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,242/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,621
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,627
−HK$3,053/mo
Today · 4.125%
HK$102,680
baseline
▲ 0.50% · 4.625%
HK$108,928
+HK$6,248/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,360/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,490
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$110,373
−HK$2,925/mo
Today · 4.125%
HK$113,298
baseline
▲ 0.50% · 4.625%
HK$119,270
+HK$5,972/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,596/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,476 · Scale 2, in force from 26 Feb 2026)