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$53,698
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,369
−HK$1,697/mo
Today · 4.125%
HK$57,066
baseline
▲ 0.50% · 4.625%
HK$60,538
+HK$3,472/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,132/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,000,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,739
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,341
−HK$1,625/mo
Today · 4.125%
HK$62,966
baseline
▲ 0.50% · 4.625%
HK$66,285
+HK$3,319/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,932/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,000,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,438
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,442
−HK$2,037/mo
Today · 4.125%
HK$68,479
baseline
▲ 0.50% · 4.625%
HK$72,645
+HK$4,166/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,958/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,686
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,609
−HK$1,950/mo
Today · 4.125%
HK$75,559
baseline
▲ 0.50% · 4.625%
HK$79,542
+HK$3,983/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,118/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,178
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,516
−HK$2,376/mo
Today · 4.125%
HK$79,892
baseline
▲ 0.50% · 4.625%
HK$84,753
+HK$4,861/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,784/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,000,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,634
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,877
−HK$2,276/mo
Today · 4.125%
HK$88,153
baseline
▲ 0.50% · 4.625%
HK$92,799
+HK$4,646/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,306/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,000,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,657
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,663
−HK$3,055/mo
Today · 4.125%
HK$102,718
baseline
▲ 0.50% · 4.625%
HK$108,968
+HK$6,250/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,436/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,530
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$110,414
−HK$2,925/mo
Today · 4.125%
HK$113,339
baseline
▲ 0.50% · 4.625%
HK$119,313
+HK$5,974/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,678/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,842 · Scale 2, in force from 26 Feb 2026)