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$65,411
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,446
−HK$2,067/mo
Today · 4.125%
HK$69,513
baseline
▲ 0.50% · 4.625%
HK$73,743
+HK$4,230/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$139,026/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,219,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,769
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,721
−HK$1,980/mo
Today · 4.125%
HK$76,701
baseline
▲ 0.50% · 4.625%
HK$80,744
+HK$4,043/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$153,402/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,219,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,493
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,935
−HK$2,481/mo
Today · 4.125%
HK$83,416
baseline
▲ 0.50% · 4.625%
HK$88,491
+HK$5,075/mo
Deposit HK$11.47M · loan HK$17.21M · min. income ≈ HK$166,832/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,219,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,323
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,665
−HK$2,376/mo
Today · 4.125%
HK$92,041
baseline
▲ 0.50% · 4.625%
HK$96,893
+HK$4,852/mo
Deposit HK$11.47M · loan HK$17.21M · min. income ≈ HK$184,082/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,219,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,576
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,424
−HK$2,894/mo
Today · 4.125%
HK$97,318
baseline
▲ 0.50% · 4.625%
HK$103,240
+HK$5,922/mo
Deposit HK$8.61M · loan HK$20.08M · min. income ≈ HK$194,636/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,219,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,877
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$104,609
−HK$2,772/mo
Today · 4.125%
HK$107,381
baseline
▲ 0.50% · 4.625%
HK$113,041
+HK$5,660/mo
Deposit HK$8.61M · loan HK$20.08M · min. income ≈ HK$214,762/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,219,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,740
−HK$7,383/mo
▼ 0.25% · 3.875%
HK$121,402
−HK$3,721/mo
Today · 4.125%
HK$125,123
baseline
▲ 0.50% · 4.625%
HK$132,737
+HK$7,614/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$250,246/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,985
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$134,498
−HK$3,563/mo
Today · 4.125%
HK$138,061
baseline
▲ 0.50% · 4.625%
HK$145,339
+HK$7,278/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$276,122/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,150 · Scale 2, in force from 26 Feb 2026)