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$80,683
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,193
−HK$2,550/mo
Today · 4.125%
HK$85,743
baseline
▲ 0.50% · 4.625%
HK$90,960
+HK$5,217/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$171,486/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,503,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,760
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,167
−HK$2,442/mo
Today · 4.125%
HK$94,609
baseline
▲ 0.50% · 4.625%
HK$99,596
+HK$4,987/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$189,218/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,503,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,820
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,832
−HK$3,060/mo
Today · 4.125%
HK$102,892
baseline
▲ 0.50% · 4.625%
HK$109,152
+HK$6,260/mo
Deposit HK$14.15M · loan HK$21.23M · min. income ≈ HK$205,784/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,503,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,711
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$110,600
−HK$2,931/mo
Today · 4.125%
HK$113,531
baseline
▲ 0.50% · 4.625%
HK$119,515
+HK$5,984/mo
Deposit HK$14.15M · loan HK$21.23M · min. income ≈ HK$227,062/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,503,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,957
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$116,470
−HK$3,570/mo
Today · 4.125%
HK$120,040
baseline
▲ 0.50% · 4.625%
HK$127,344
+HK$7,304/mo
Deposit HK$10.62M · loan HK$24.77M · min. income ≈ HK$240,080/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,503,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,663
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$129,034
−HK$3,419/mo
Today · 4.125%
HK$132,453
baseline
▲ 0.50% · 4.625%
HK$139,434
+HK$6,981/mo
Deposit HK$10.62M · loan HK$24.77M · min. income ≈ HK$264,906/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,503,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,230
−HK$9,108/mo
▼ 0.25% · 3.875%
HK$149,748
−HK$4,590/mo
Today · 4.125%
HK$154,338
baseline
▲ 0.50% · 4.625%
HK$163,729
+HK$9,391/mo
Deposit HK$3.54M · loan HK$31.85M · min. income ≈ HK$308,676/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,567
−HK$8,729/mo
▼ 0.25% · 3.875%
HK$165,900
−HK$4,396/mo
Today · 4.125%
HK$170,296
baseline
▲ 0.50% · 4.625%
HK$179,273
+HK$8,977/mo
Deposit HK$3.54M · loan HK$31.85M · min. income ≈ HK$340,592/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,800 · Scale 2, in force from 26 Feb 2026)