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$65,724
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,769
−HK$2,077/mo
Today · 4.125%
HK$69,846
baseline
▲ 0.50% · 4.625%
HK$74,096
+HK$4,250/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$139,692/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,224,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,118
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,079
−HK$1,989/mo
Today · 4.125%
HK$77,068
baseline
▲ 0.50% · 4.625%
HK$81,131
+HK$4,063/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$154,136/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,224,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,869
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,323
−HK$2,492/mo
Today · 4.125%
HK$83,815
baseline
▲ 0.50% · 4.625%
HK$88,915
+HK$5,100/mo
Deposit HK$11.53M · loan HK$17.29M · min. income ≈ HK$167,630/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,741
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,095
−HK$2,387/mo
Today · 4.125%
HK$92,482
baseline
▲ 0.50% · 4.625%
HK$97,357
+HK$4,875/mo
Deposit HK$11.53M · loan HK$17.29M · min. income ≈ HK$184,964/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,014
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$94,876
−HK$2,908/mo
Today · 4.125%
HK$97,784
baseline
▲ 0.50% · 4.625%
HK$103,734
+HK$5,950/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$195,568/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,365
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,110
−HK$2,785/mo
Today · 4.125%
HK$107,895
baseline
▲ 0.50% · 4.625%
HK$113,583
+HK$5,688/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$215,790/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,304
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$121,984
−HK$3,739/mo
Today · 4.125%
HK$125,723
baseline
▲ 0.50% · 4.625%
HK$133,373
+HK$7,650/mo
Deposit HK$2.88M · loan HK$25.94M · min. income ≈ HK$251,446/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,224,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,612
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$135,142
−HK$3,581/mo
Today · 4.125%
HK$138,723
baseline
▲ 0.50% · 4.625%
HK$146,035
+HK$7,312/mo
Deposit HK$2.88M · loan HK$25.94M · min. income ≈ HK$277,446/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,224,990 · Scale 2, in force from 26 Feb 2026)