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$65,382
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,415
−HK$2,067/mo
Today · 4.125%
HK$69,482
baseline
▲ 0.50% · 4.625%
HK$73,709
+HK$4,227/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$138,964/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,218,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,736
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,687
−HK$1,979/mo
Today · 4.125%
HK$76,666
baseline
▲ 0.50% · 4.625%
HK$80,707
+HK$4,041/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$153,332/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,218,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,458
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,898
−HK$2,480/mo
Today · 4.125%
HK$83,378
baseline
▲ 0.50% · 4.625%
HK$88,451
+HK$5,073/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$166,756/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,284
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,625
−HK$2,374/mo
Today · 4.125%
HK$91,999
baseline
▲ 0.50% · 4.625%
HK$96,849
+HK$4,850/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$183,998/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,534
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,382
−HK$2,892/mo
Today · 4.125%
HK$97,274
baseline
▲ 0.50% · 4.625%
HK$103,193
+HK$5,919/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$194,548/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,831
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,562
−HK$2,771/mo
Today · 4.125%
HK$107,333
baseline
▲ 0.50% · 4.625%
HK$112,990
+HK$5,657/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$214,666/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,687
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$121,348
−HK$3,719/mo
Today · 4.125%
HK$125,067
baseline
▲ 0.50% · 4.625%
HK$132,677
+HK$7,610/mo
Deposit HK$2.87M · loan HK$25.81M · min. income ≈ HK$250,134/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,926
−HK$7,073/mo
▼ 0.25% · 3.875%
HK$134,437
−HK$3,562/mo
Today · 4.125%
HK$137,999
baseline
▲ 0.50% · 4.625%
HK$145,273
+HK$7,274/mo
Deposit HK$2.87M · loan HK$25.81M · min. income ≈ HK$275,998/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,600 · Scale 2, in force from 26 Feb 2026)