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$67,871
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,982
−HK$2,145/mo
Today · 4.125%
HK$72,127
baseline
▲ 0.50% · 4.625%
HK$76,516
+HK$4,389/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,254/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,506
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,531
−HK$2,054/mo
Today · 4.125%
HK$79,585
baseline
▲ 0.50% · 4.625%
HK$83,780
+HK$4,195/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,170/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,445
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,979
−HK$2,574/mo
Today · 4.125%
HK$86,553
baseline
▲ 0.50% · 4.625%
HK$91,819
+HK$5,266/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$173,106/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,607
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,037
−HK$2,465/mo
Today · 4.125%
HK$95,502
baseline
▲ 0.50% · 4.625%
HK$100,536
+HK$5,034/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$191,004/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,020
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$97,975
−HK$3,003/mo
Today · 4.125%
HK$100,978
baseline
▲ 0.50% · 4.625%
HK$107,122
+HK$6,144/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$201,956/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,265,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,708
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$108,543
−HK$2,876/mo
Today · 4.125%
HK$111,419
baseline
▲ 0.50% · 4.625%
HK$117,292
+HK$5,873/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$222,838/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,265,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,168
−HK$7,661/mo
▼ 0.25% · 3.875%
HK$125,968
−HK$3,861/mo
Today · 4.125%
HK$129,829
baseline
▲ 0.50% · 4.625%
HK$137,729
+HK$7,900/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$259,658/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,911
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$139,556
−HK$3,698/mo
Today · 4.125%
HK$143,254
baseline
▲ 0.50% · 4.625%
HK$150,805
+HK$7,551/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$286,508/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,000 · Scale 2, in force from 26 Feb 2026)