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$65,455
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,491
−HK$2,069/mo
Today · 4.125%
HK$69,560
baseline
▲ 0.50% · 4.625%
HK$73,792
+HK$4,232/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,120/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,818
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,771
−HK$1,981/mo
Today · 4.125%
HK$76,752
baseline
▲ 0.50% · 4.625%
HK$80,798
+HK$4,046/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,504/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,546
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$80,989
−HK$2,483/mo
Today · 4.125%
HK$83,472
baseline
▲ 0.50% · 4.625%
HK$88,551
+HK$5,079/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,944/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,382
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,725
−HK$2,378/mo
Today · 4.125%
HK$92,103
baseline
▲ 0.50% · 4.625%
HK$96,958
+HK$4,855/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,206/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,637
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,488
−HK$2,896/mo
Today · 4.125%
HK$97,384
baseline
▲ 0.50% · 4.625%
HK$103,309
+HK$5,925/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,768/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,945
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,680
−HK$2,773/mo
Today · 4.125%
HK$107,453
baseline
▲ 0.50% · 4.625%
HK$113,117
+HK$5,664/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,906/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,819
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$121,484
−HK$3,724/mo
Today · 4.125%
HK$125,208
baseline
▲ 0.50% · 4.625%
HK$132,826
+HK$7,618/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,416/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,073
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$134,588
−HK$3,566/mo
Today · 4.125%
HK$138,154
baseline
▲ 0.50% · 4.625%
HK$145,436
+HK$7,282/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,308/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,970 · Scale 2, in force from 26 Feb 2026)