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$80,801
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,315
−HK$2,553/mo
Today · 4.125%
HK$85,868
baseline
▲ 0.50% · 4.625%
HK$91,093
+HK$5,225/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$171,736/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,891
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,302
−HK$2,445/mo
Today · 4.125%
HK$94,747
baseline
▲ 0.50% · 4.625%
HK$99,742
+HK$4,995/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$189,494/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,962
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,978
−HK$3,064/mo
Today · 4.125%
HK$103,042
baseline
▲ 0.50% · 4.625%
HK$109,312
+HK$6,270/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$206,084/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,869
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,762
−HK$2,935/mo
Today · 4.125%
HK$113,697
baseline
▲ 0.50% · 4.625%
HK$119,690
+HK$5,993/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$227,394/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,122
−HK$7,094/mo
▼ 0.25% · 3.875%
HK$116,641
−HK$3,575/mo
Today · 4.125%
HK$120,216
baseline
▲ 0.50% · 4.625%
HK$127,531
+HK$7,315/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$240,432/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,505,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,847
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$129,222
−HK$3,424/mo
Today · 4.125%
HK$132,646
baseline
▲ 0.50% · 4.625%
HK$139,638
+HK$6,992/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$265,292/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,505,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,443
−HK$9,120/mo
▼ 0.25% · 3.875%
HK$149,967
−HK$4,596/mo
Today · 4.125%
HK$154,563
baseline
▲ 0.50% · 4.625%
HK$163,968
+HK$9,405/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$309,126/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,804
−HK$8,741/mo
▼ 0.25% · 3.875%
HK$166,143
−HK$4,402/mo
Today · 4.125%
HK$170,545
baseline
▲ 0.50% · 4.625%
HK$179,535
+HK$8,990/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$341,090/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,999 · Scale 2, in force from 26 Feb 2026)