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$67,442
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,540
−HK$2,131/mo
Today · 4.125%
HK$71,671
baseline
▲ 0.50% · 4.625%
HK$76,032
+HK$4,361/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$143,342/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,256,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,028
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$77,041
−HK$2,041/mo
Today · 4.125%
HK$79,082
baseline
▲ 0.50% · 4.625%
HK$83,250
+HK$4,168/mo
Deposit HK$14.79M · loan HK$14.79M · min. income ≈ HK$158,164/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,256,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,930
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,448
−HK$2,557/mo
Today · 4.125%
HK$86,005
baseline
▲ 0.50% · 4.625%
HK$91,238
+HK$5,233/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$172,010/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,256,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,034
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,449
−HK$2,449/mo
Today · 4.125%
HK$94,898
baseline
▲ 0.50% · 4.625%
HK$99,901
+HK$5,003/mo
Deposit HK$11.83M · loan HK$17.75M · min. income ≈ HK$189,796/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,256,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,419
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$97,356
−HK$2,983/mo
Today · 4.125%
HK$100,339
baseline
▲ 0.50% · 4.625%
HK$106,445
+HK$6,106/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$200,678/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,040
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,857
−HK$2,858/mo
Today · 4.125%
HK$110,715
baseline
▲ 0.50% · 4.625%
HK$116,551
+HK$5,836/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$221,430/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,395
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$125,171
−HK$3,837/mo
Today · 4.125%
HK$129,008
baseline
▲ 0.50% · 4.625%
HK$136,858
+HK$7,850/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$258,016/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,051
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$138,673
−HK$3,674/mo
Today · 4.125%
HK$142,347
baseline
▲ 0.50% · 4.625%
HK$149,851
+HK$7,504/mo
Deposit HK$2.96M · loan HK$26.62M · min. income ≈ HK$284,694/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,999 · Scale 2, in force from 26 Feb 2026)