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$53,757
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,429
−HK$1,699/mo
Today · 4.125%
HK$57,128
baseline
▲ 0.50% · 4.625%
HK$60,604
+HK$3,476/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$114,256/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,804
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,408
−HK$1,627/mo
Today · 4.125%
HK$63,035
baseline
▲ 0.50% · 4.625%
HK$66,358
+HK$3,323/mo
Deposit HK$11.79M · loan HK$11.79M · min. income ≈ HK$126,070/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,508
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,515
−HK$2,039/mo
Today · 4.125%
HK$68,554
baseline
▲ 0.50% · 4.625%
HK$72,725
+HK$4,171/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$137,108/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,765
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,690
−HK$1,952/mo
Today · 4.125%
HK$75,642
baseline
▲ 0.50% · 4.625%
HK$79,629
+HK$3,987/mo
Deposit HK$9.43M · loan HK$14.15M · min. income ≈ HK$151,284/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,260
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,601
−HK$2,378/mo
Today · 4.125%
HK$79,979
baseline
▲ 0.50% · 4.625%
HK$84,846
+HK$4,867/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,958/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,726
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,971
−HK$2,278/mo
Today · 4.125%
HK$88,249
baseline
▲ 0.50% · 4.625%
HK$92,901
+HK$4,652/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,498/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,763
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,773
−HK$3,058/mo
Today · 4.125%
HK$102,831
baseline
▲ 0.50% · 4.625%
HK$109,088
+HK$6,257/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$205,662/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,648
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,535
−HK$2,928/mo
Today · 4.125%
HK$113,463
baseline
▲ 0.50% · 4.625%
HK$119,444
+HK$5,981/mo
Deposit HK$2.36M · loan HK$21.22M · min. income ≈ HK$226,926/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,938 · Scale 2, in force from 26 Feb 2026)