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$65,070
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,095
−HK$2,056/mo
Today · 4.125%
HK$69,151
baseline
▲ 0.50% · 4.625%
HK$73,359
+HK$4,208/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,302/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,390
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,332
−HK$1,969/mo
Today · 4.125%
HK$76,301
baseline
▲ 0.50% · 4.625%
HK$80,323
+HK$4,022/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,602/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,085
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,513
−HK$2,468/mo
Today · 4.125%
HK$82,981
baseline
▲ 0.50% · 4.625%
HK$88,030
+HK$5,049/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$165,962/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,868
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,198
−HK$2,363/mo
Today · 4.125%
HK$91,561
baseline
▲ 0.50% · 4.625%
HK$96,388
+HK$4,827/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$183,122/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,099
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$93,932
−HK$2,879/mo
Today · 4.125%
HK$96,811
baseline
▲ 0.50% · 4.625%
HK$102,702
+HK$5,891/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$193,622/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,346
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,064
−HK$2,758/mo
Today · 4.125%
HK$106,822
baseline
▲ 0.50% · 4.625%
HK$112,452
+HK$5,630/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$213,644/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,127
−HK$7,345/mo
▼ 0.25% · 3.875%
HK$120,770
−HK$3,702/mo
Today · 4.125%
HK$124,472
baseline
▲ 0.50% · 4.625%
HK$132,045
+HK$7,573/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$248,944/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,302
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$133,797
−HK$3,545/mo
Today · 4.125%
HK$137,342
baseline
▲ 0.50% · 4.625%
HK$144,582
+HK$7,240/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$274,684/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,800 · Scale 2, in force from 26 Feb 2026)