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$80,425
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,926
−HK$2,542/mo
Today · 4.125%
HK$85,468
baseline
▲ 0.50% · 4.625%
HK$90,668
+HK$5,200/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$170,936/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,498,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,472
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,871
−HK$2,434/mo
Today · 4.125%
HK$94,305
baseline
▲ 0.50% · 4.625%
HK$99,276
+HK$4,971/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$188,610/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,498,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,510
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,512
−HK$3,050/mo
Today · 4.125%
HK$102,562
baseline
▲ 0.50% · 4.625%
HK$108,802
+HK$6,240/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$205,124/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,498,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,366
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,245
−HK$2,922/mo
Today · 4.125%
HK$113,167
baseline
▲ 0.50% · 4.625%
HK$119,132
+HK$5,965/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$226,334/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,498,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,594
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,097
−HK$3,558/mo
Today · 4.125%
HK$119,655
baseline
▲ 0.50% · 4.625%
HK$126,936
+HK$7,281/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$239,310/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,498,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,260
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,620
−HK$3,408/mo
Today · 4.125%
HK$132,028
baseline
▲ 0.50% · 4.625%
HK$138,987
+HK$6,959/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$264,056/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,498,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,764
−HK$9,078/mo
▼ 0.25% · 3.875%
HK$149,267
−HK$4,575/mo
Today · 4.125%
HK$153,842
baseline
▲ 0.50% · 4.625%
HK$163,203
+HK$9,361/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$307,684/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,498,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,049
−HK$8,701/mo
▼ 0.25% · 3.875%
HK$165,368
−HK$4,382/mo
Today · 4.125%
HK$169,750
baseline
▲ 0.50% · 4.625%
HK$178,698
+HK$8,948/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$339,500/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,498,975 · Scale 2, in force from 26 Feb 2026)