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$50,434
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,003
−HK$1,594/mo
Today · 4.125%
HK$53,597
baseline
▲ 0.50% · 4.625%
HK$56,858
+HK$3,261/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,194/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,107
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,612
−HK$1,526/mo
Today · 4.125%
HK$59,138
baseline
▲ 0.50% · 4.625%
HK$62,256
+HK$3,118/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,276/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,521
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,403
−HK$1,913/mo
Today · 4.125%
HK$64,316
baseline
▲ 0.50% · 4.625%
HK$68,229
+HK$3,913/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$128,632/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,329
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,134
−HK$1,832/mo
Today · 4.125%
HK$70,966
baseline
▲ 0.50% · 4.625%
HK$74,707
+HK$3,741/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$141,932/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,607
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,804
−HK$2,231/mo
Today · 4.125%
HK$75,035
baseline
▲ 0.50% · 4.625%
HK$79,601
+HK$4,566/mo
Deposit HK$6.64M · loan HK$15.48M · min. income ≈ HK$150,070/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,550
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,657
−HK$2,137/mo
Today · 4.125%
HK$82,794
baseline
▲ 0.50% · 4.625%
HK$87,158
+HK$4,364/mo
Deposit HK$6.64M · loan HK$15.48M · min. income ≈ HK$165,588/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,781
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,605
−HK$2,869/mo
Today · 4.125%
HK$96,474
baseline
▲ 0.50% · 4.625%
HK$102,344
+HK$5,870/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$192,948/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,993
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,701
−HK$2,748/mo
Today · 4.125%
HK$106,449
baseline
▲ 0.50% · 4.625%
HK$112,060
+HK$5,611/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$212,898/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,000 · Scale 2, in force from 26 Feb 2026)