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$65,966
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,018
−HK$2,085/mo
Today · 4.125%
HK$70,103
baseline
▲ 0.50% · 4.625%
HK$74,369
+HK$4,266/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,206/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,387
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,355
−HK$1,997/mo
Today · 4.125%
HK$77,352
baseline
▲ 0.50% · 4.625%
HK$81,429
+HK$4,077/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,704/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,160
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,622
−HK$2,502/mo
Today · 4.125%
HK$84,124
baseline
▲ 0.50% · 4.625%
HK$89,242
+HK$5,118/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,248/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,064
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,426
−HK$2,396/mo
Today · 4.125%
HK$92,822
baseline
▲ 0.50% · 4.625%
HK$97,715
+HK$4,893/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,644/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,353
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,226
−HK$2,918/mo
Today · 4.125%
HK$98,144
baseline
▲ 0.50% · 4.625%
HK$104,116
+HK$5,972/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,288/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,742
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,497
−HK$2,796/mo
Today · 4.125%
HK$108,293
baseline
▲ 0.50% · 4.625%
HK$114,001
+HK$5,708/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,586/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,740
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$122,433
−HK$3,753/mo
Today · 4.125%
HK$126,186
baseline
▲ 0.50% · 4.625%
HK$133,864
+HK$7,678/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,372/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,097
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$135,639
−HK$3,594/mo
Today · 4.125%
HK$139,233
baseline
▲ 0.50% · 4.625%
HK$146,573
+HK$7,340/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,466/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,500 · Scale 2, in force from 26 Feb 2026)