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$53,251
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,907
−HK$1,683/mo
Today · 4.125%
HK$56,590
baseline
▲ 0.50% · 4.625%
HK$60,033
+HK$3,443/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$113,180/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,241
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,830
−HK$1,611/mo
Today · 4.125%
HK$62,441
baseline
▲ 0.50% · 4.625%
HK$65,733
+HK$3,292/mo
Deposit HK$11.68M · loan HK$11.68M · min. income ≈ HK$124,882/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$992,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,901
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,888
−HK$2,020/mo
Today · 4.125%
HK$67,908
baseline
▲ 0.50% · 4.625%
HK$72,040
+HK$4,132/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$135,816/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,089
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$72,996
−HK$1,934/mo
Today · 4.125%
HK$74,930
baseline
▲ 0.50% · 4.625%
HK$78,879
+HK$3,949/mo
Deposit HK$9.34M · loan HK$14.01M · min. income ≈ HK$149,860/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$992,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,551
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,870
−HK$2,356/mo
Today · 4.125%
HK$79,226
baseline
▲ 0.50% · 4.625%
HK$84,047
+HK$4,821/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$158,452/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,937
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,161
−HK$2,257/mo
Today · 4.125%
HK$87,418
baseline
▲ 0.50% · 4.625%
HK$92,026
+HK$4,608/mo
Deposit HK$7.01M · loan HK$16.35M · min. income ≈ HK$174,836/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$992,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,851
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,833
−HK$3,029/mo
Today · 4.125%
HK$101,862
baseline
▲ 0.50% · 4.625%
HK$108,060
+HK$6,198/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$203,724/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,633
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,493
−HK$2,902/mo
Today · 4.125%
HK$112,395
baseline
▲ 0.50% · 4.625%
HK$118,319
+HK$5,924/mo
Deposit HK$2.34M · loan HK$21.02M · min. income ≈ HK$224,790/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$992,500 · Scale 2, in force from 26 Feb 2026)