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$53,412
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,073
−HK$1,688/mo
Today · 4.125%
HK$56,761
baseline
▲ 0.50% · 4.625%
HK$60,215
+HK$3,454/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$113,522/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,420
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,014
−HK$1,616/mo
Today · 4.125%
HK$62,630
baseline
▲ 0.50% · 4.625%
HK$65,932
+HK$3,302/mo
Deposit HK$11.71M · loan HK$11.71M · min. income ≈ HK$125,260/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$995,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,094
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,088
−HK$2,025/mo
Today · 4.125%
HK$68,113
baseline
▲ 0.50% · 4.625%
HK$72,258
+HK$4,145/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$136,226/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,304
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,216
−HK$1,940/mo
Today · 4.125%
HK$75,156
baseline
▲ 0.50% · 4.625%
HK$79,118
+HK$3,962/mo
Deposit HK$9.37M · loan HK$14.05M · min. income ≈ HK$150,312/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$995,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,776
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,102
−HK$2,363/mo
Today · 4.125%
HK$79,465
baseline
▲ 0.50% · 4.625%
HK$84,301
+HK$4,836/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$158,930/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,188
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,419
−HK$2,263/mo
Today · 4.125%
HK$87,682
baseline
▲ 0.50% · 4.625%
HK$92,304
+HK$4,622/mo
Deposit HK$7.03M · loan HK$16.40M · min. income ≈ HK$175,364/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$995,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,141
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,132
−HK$3,038/mo
Today · 4.125%
HK$102,170
baseline
▲ 0.50% · 4.625%
HK$108,387
+HK$6,217/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$204,340/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,956
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,824
−HK$2,910/mo
Today · 4.125%
HK$112,734
baseline
▲ 0.50% · 4.625%
HK$118,677
+HK$5,943/mo
Deposit HK$2.34M · loan HK$21.08M · min. income ≈ HK$225,468/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$995,500 · Scale 2, in force from 26 Feb 2026)