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$67,539
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,639
−HK$2,135/mo
Today · 4.125%
HK$71,774
baseline
▲ 0.50% · 4.625%
HK$76,141
+HK$4,367/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,548/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,136
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,151
−HK$2,044/mo
Today · 4.125%
HK$79,195
baseline
▲ 0.50% · 4.625%
HK$83,370
+HK$4,175/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,390/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,046
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,567
−HK$2,562/mo
Today · 4.125%
HK$86,129
baseline
▲ 0.50% · 4.625%
HK$91,369
+HK$5,240/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,258/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,163
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,581
−HK$2,453/mo
Today · 4.125%
HK$95,034
baseline
▲ 0.50% · 4.625%
HK$100,044
+HK$5,010/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,068/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,554
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$97,495
−HK$2,988/mo
Today · 4.125%
HK$100,483
baseline
▲ 0.50% · 4.625%
HK$106,597
+HK$6,114/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$200,966/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,190
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,011
−HK$2,862/mo
Today · 4.125%
HK$110,873
baseline
▲ 0.50% · 4.625%
HK$116,718
+HK$5,845/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$221,746/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,569
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$125,351
−HK$3,842/mo
Today · 4.125%
HK$129,193
baseline
▲ 0.50% · 4.625%
HK$137,054
+HK$7,861/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,386/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,245
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$138,872
−HK$3,679/mo
Today · 4.125%
HK$142,551
baseline
▲ 0.50% · 4.625%
HK$150,066
+HK$7,515/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,102/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,800 · Scale 2, in force from 26 Feb 2026)