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$68,933
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,078
−HK$2,178/mo
Today · 4.125%
HK$73,256
baseline
▲ 0.50% · 4.625%
HK$77,714
+HK$4,458/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,512/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,688
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,745
−HK$2,086/mo
Today · 4.125%
HK$80,831
baseline
▲ 0.50% · 4.625%
HK$85,092
+HK$4,261/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,662/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,720
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,293
−HK$2,614/mo
Today · 4.125%
HK$87,907
baseline
▲ 0.50% · 4.625%
HK$93,256
+HK$5,349/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,814/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,025
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,493
−HK$2,504/mo
Today · 4.125%
HK$96,997
baseline
▲ 0.50% · 4.625%
HK$102,110
+HK$5,113/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$193,994/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,507
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,509
−HK$3,050/mo
Today · 4.125%
HK$102,559
baseline
▲ 0.50% · 4.625%
HK$108,799
+HK$6,240/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,118/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,363
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,242
−HK$2,921/mo
Today · 4.125%
HK$113,163
baseline
▲ 0.50% · 4.625%
HK$119,128
+HK$5,965/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,326/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,080
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$127,940
−HK$3,921/mo
Today · 4.125%
HK$131,861
baseline
▲ 0.50% · 4.625%
HK$139,885
+HK$8,024/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,722/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,038
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$141,740
−HK$3,756/mo
Today · 4.125%
HK$145,496
baseline
▲ 0.50% · 4.625%
HK$153,165
+HK$7,669/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$290,992/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,800 · Scale 2, in force from 26 Feb 2026)