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$65,076
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,100
−HK$2,057/mo
Today · 4.125%
HK$69,157
baseline
▲ 0.50% · 4.625%
HK$73,365
+HK$4,208/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,314/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,396
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,338
−HK$1,970/mo
Today · 4.125%
HK$76,308
baseline
▲ 0.50% · 4.625%
HK$80,330
+HK$4,022/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,616/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,091
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,520
−HK$2,468/mo
Today · 4.125%
HK$82,988
baseline
▲ 0.50% · 4.625%
HK$88,038
+HK$5,050/mo
Deposit HK$11.42M · loan HK$17.12M · min. income ≈ HK$165,976/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,875
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,205
−HK$2,364/mo
Today · 4.125%
HK$91,569
baseline
▲ 0.50% · 4.625%
HK$96,396
+HK$4,827/mo
Deposit HK$11.42M · loan HK$17.12M · min. income ≈ HK$183,138/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,106
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,940
−HK$2,879/mo
Today · 4.125%
HK$96,819
baseline
▲ 0.50% · 4.625%
HK$102,711
+HK$5,892/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$193,638/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,355
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,073
−HK$2,758/mo
Today · 4.125%
HK$106,831
baseline
▲ 0.50% · 4.625%
HK$112,462
+HK$5,631/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$213,662/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,136
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$120,780
−HK$3,702/mo
Today · 4.125%
HK$124,482
baseline
▲ 0.50% · 4.625%
HK$132,056
+HK$7,574/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$248,964/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,313
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$133,808
−HK$3,546/mo
Today · 4.125%
HK$137,354
baseline
▲ 0.50% · 4.625%
HK$144,594
+HK$7,240/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$274,708/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,900 · Scale 2, in force from 26 Feb 2026)