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$63,944
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,933
−HK$2,021/mo
Today · 4.125%
HK$67,954
baseline
▲ 0.50% · 4.625%
HK$72,088
+HK$4,134/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$135,908/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,137
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,045
−HK$1,935/mo
Today · 4.125%
HK$74,980
baseline
▲ 0.50% · 4.625%
HK$78,932
+HK$3,952/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$149,960/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,732
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,119
−HK$2,425/mo
Today · 4.125%
HK$81,544
baseline
▲ 0.50% · 4.625%
HK$86,506
+HK$4,962/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$163,088/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,364
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,653
−HK$2,323/mo
Today · 4.125%
HK$89,976
baseline
▲ 0.50% · 4.625%
HK$94,719
+HK$4,743/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$179,952/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,521
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$92,306
−HK$2,829/mo
Today · 4.125%
HK$95,135
baseline
▲ 0.50% · 4.625%
HK$100,924
+HK$5,789/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$190,270/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,591
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$102,262
−HK$2,710/mo
Today · 4.125%
HK$104,972
baseline
▲ 0.50% · 4.625%
HK$110,505
+HK$5,533/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$209,944/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,099
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$118,679
−HK$3,637/mo
Today · 4.125%
HK$122,316
baseline
▲ 0.50% · 4.625%
HK$129,759
+HK$7,443/mo
Deposit HK$2.80M · loan HK$25.24M · min. income ≈ HK$244,632/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,046
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$131,480
−HK$3,484/mo
Today · 4.125%
HK$134,964
baseline
▲ 0.50% · 4.625%
HK$142,078
+HK$7,114/mo
Deposit HK$2.80M · loan HK$25.24M · min. income ≈ HK$269,928/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,800 · Scale 2, in force from 26 Feb 2026)