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$53,492
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,156
−HK$1,691/mo
Today · 4.125%
HK$56,847
baseline
▲ 0.50% · 4.625%
HK$60,305
+HK$3,458/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,694/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,509
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,105
−HK$1,620/mo
Today · 4.125%
HK$62,725
baseline
▲ 0.50% · 4.625%
HK$66,031
+HK$3,306/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,450/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,191
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,187
−HK$2,029/mo
Today · 4.125%
HK$68,216
baseline
▲ 0.50% · 4.625%
HK$72,367
+HK$4,151/mo
Deposit HK$9.38M · loan HK$14.08M · min. income ≈ HK$136,432/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,411
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,327
−HK$1,942/mo
Today · 4.125%
HK$75,269
baseline
▲ 0.50% · 4.625%
HK$79,237
+HK$3,968/mo
Deposit HK$9.38M · loan HK$14.08M · min. income ≈ HK$150,538/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,889
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,218
−HK$2,367/mo
Today · 4.125%
HK$79,585
baseline
▲ 0.50% · 4.625%
HK$84,428
+HK$4,843/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$159,170/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$997,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,313
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,548
−HK$2,266/mo
Today · 4.125%
HK$87,814
baseline
▲ 0.50% · 4.625%
HK$92,443
+HK$4,629/mo
Deposit HK$7.04M · loan HK$16.42M · min. income ≈ HK$175,628/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$997,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,286
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$99,281
−HK$3,043/mo
Today · 4.125%
HK$102,324
baseline
▲ 0.50% · 4.625%
HK$108,550
+HK$6,226/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$204,648/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,117
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$109,990
−HK$2,914/mo
Today · 4.125%
HK$112,904
baseline
▲ 0.50% · 4.625%
HK$118,855
+HK$5,951/mo
Deposit HK$2.35M · loan HK$21.11M · min. income ≈ HK$225,808/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,000 · Scale 2, in force from 26 Feb 2026)