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$53,546
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,211
−HK$1,693/mo
Today · 4.125%
HK$56,904
baseline
▲ 0.50% · 4.625%
HK$60,366
+HK$3,462/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$113,808/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,569
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,167
−HK$1,620/mo
Today · 4.125%
HK$62,787
baseline
▲ 0.50% · 4.625%
HK$66,097
+HK$3,310/mo
Deposit HK$11.74M · loan HK$11.74M · min. income ≈ HK$125,574/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$998,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,255
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,254
−HK$2,030/mo
Today · 4.125%
HK$68,284
baseline
▲ 0.50% · 4.625%
HK$72,439
+HK$4,155/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$136,568/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,483
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,400
−HK$1,945/mo
Today · 4.125%
HK$75,345
baseline
▲ 0.50% · 4.625%
HK$79,316
+HK$3,971/mo
Deposit HK$9.39M · loan HK$14.09M · min. income ≈ HK$150,690/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$998,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,964
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,296
−HK$2,369/mo
Today · 4.125%
HK$79,665
baseline
▲ 0.50% · 4.625%
HK$84,512
+HK$4,847/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$159,330/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,397
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,633
−HK$2,269/mo
Today · 4.125%
HK$87,902
baseline
▲ 0.50% · 4.625%
HK$92,536
+HK$4,634/mo
Deposit HK$7.04M · loan HK$16.44M · min. income ≈ HK$175,804/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$998,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,382
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,380
−HK$3,046/mo
Today · 4.125%
HK$102,426
baseline
▲ 0.50% · 4.625%
HK$108,659
+HK$6,233/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$204,852/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,224
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,100
−HK$2,917/mo
Today · 4.125%
HK$113,017
baseline
▲ 0.50% · 4.625%
HK$118,975
+HK$5,958/mo
Deposit HK$2.35M · loan HK$21.13M · min. income ≈ HK$226,034/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,000 · Scale 2, in force from 26 Feb 2026)