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$67,415
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,512
−HK$2,131/mo
Today · 4.125%
HK$71,643
baseline
▲ 0.50% · 4.625%
HK$76,002
+HK$4,359/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$143,286/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,999
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,010
−HK$2,041/mo
Today · 4.125%
HK$79,051
baseline
▲ 0.50% · 4.625%
HK$83,217
+HK$4,166/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$158,102/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,898
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,414
−HK$2,557/mo
Today · 4.125%
HK$85,971
baseline
▲ 0.50% · 4.625%
HK$91,202
+HK$5,231/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$171,942/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,998
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,412
−HK$2,449/mo
Today · 4.125%
HK$94,861
baseline
▲ 0.50% · 4.625%
HK$99,861
+HK$5,000/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$189,722/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,381
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,317
−HK$2,983/mo
Today · 4.125%
HK$100,300
baseline
▲ 0.50% · 4.625%
HK$106,403
+HK$6,103/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$200,600/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,998
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$107,814
−HK$2,857/mo
Today · 4.125%
HK$110,671
baseline
▲ 0.50% · 4.625%
HK$116,504
+HK$5,833/mo
Deposit HK$8.87M · loan HK$20.70M · min. income ≈ HK$221,342/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,347
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$125,122
−HK$3,835/mo
Today · 4.125%
HK$128,957
baseline
▲ 0.50% · 4.625%
HK$136,803
+HK$7,846/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$257,914/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,997
−HK$7,294/mo
▼ 0.25% · 3.875%
HK$138,618
−HK$3,673/mo
Today · 4.125%
HK$142,291
baseline
▲ 0.50% · 4.625%
HK$149,791
+HK$7,500/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$284,582/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,500 · Scale 2, in force from 26 Feb 2026)