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$65,028
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,050
−HK$2,055/mo
Today · 4.125%
HK$69,105
baseline
▲ 0.50% · 4.625%
HK$73,310
+HK$4,205/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,210/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,342
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,283
−HK$1,968/mo
Today · 4.125%
HK$76,251
baseline
▲ 0.50% · 4.625%
HK$80,270
+HK$4,019/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,502/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,033
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,460
−HK$2,466/mo
Today · 4.125%
HK$82,926
baseline
▲ 0.50% · 4.625%
HK$87,972
+HK$5,046/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$165,852/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,811
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,139
−HK$2,362/mo
Today · 4.125%
HK$91,501
baseline
▲ 0.50% · 4.625%
HK$96,324
+HK$4,823/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$183,002/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,039
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,870
−HK$2,877/mo
Today · 4.125%
HK$96,747
baseline
▲ 0.50% · 4.625%
HK$102,634
+HK$5,887/mo
Deposit HK$8.56M · loan HK$19.96M · min. income ≈ HK$193,494/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,279
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$103,996
−HK$2,755/mo
Today · 4.125%
HK$106,751
baseline
▲ 0.50% · 4.625%
HK$112,378
+HK$5,627/mo
Deposit HK$8.56M · loan HK$19.96M · min. income ≈ HK$213,502/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,050
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$120,690
−HK$3,700/mo
Today · 4.125%
HK$124,390
baseline
▲ 0.50% · 4.625%
HK$131,958
+HK$7,568/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,780/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,216
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$133,709
−HK$3,543/mo
Today · 4.125%
HK$137,252
baseline
▲ 0.50% · 4.625%
HK$144,486
+HK$7,234/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,504/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,000 · Scale 2, in force from 26 Feb 2026)