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$51,239
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,832
−HK$1,620/mo
Today · 4.125%
HK$54,452
baseline
▲ 0.50% · 4.625%
HK$57,765
+HK$3,313/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$108,904/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,002
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,531
−HK$1,551/mo
Today · 4.125%
HK$60,082
baseline
▲ 0.50% · 4.625%
HK$63,249
+HK$3,167/mo
Deposit HK$11.24M · loan HK$11.24M · min. income ≈ HK$120,164/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$955,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,486
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,399
−HK$1,943/mo
Today · 4.125%
HK$65,342
baseline
▲ 0.50% · 4.625%
HK$69,318
+HK$3,976/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,684/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$955,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,403
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,238
−HK$1,861/mo
Today · 4.125%
HK$72,099
baseline
▲ 0.50% · 4.625%
HK$75,899
+HK$3,800/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,198/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$955,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,734
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,965
−HK$2,267/mo
Today · 4.125%
HK$76,232
baseline
▲ 0.50% · 4.625%
HK$80,871
+HK$4,639/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$152,464/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,803
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,944
−HK$2,171/mo
Today · 4.125%
HK$84,115
baseline
▲ 0.50% · 4.625%
HK$88,549
+HK$4,434/mo
Deposit HK$6.74M · loan HK$15.73M · min. income ≈ HK$168,230/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$955,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,230
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,098
−HK$2,915/mo
Today · 4.125%
HK$98,013
baseline
▲ 0.50% · 4.625%
HK$103,977
+HK$5,964/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$196,026/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,604
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,356
−HK$2,792/mo
Today · 4.125%
HK$108,148
baseline
▲ 0.50% · 4.625%
HK$113,849
+HK$5,701/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,296/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$955,000 · Scale 2, in force from 26 Feb 2026)