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$80,474
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,978
−HK$2,543/mo
Today · 4.125%
HK$85,521
baseline
▲ 0.50% · 4.625%
HK$90,725
+HK$5,204/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$171,042/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,499,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,527
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,928
−HK$2,436/mo
Today · 4.125%
HK$94,364
baseline
▲ 0.50% · 4.625%
HK$99,338
+HK$4,974/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$188,728/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,499,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,569
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$99,573
−HK$3,052/mo
Today · 4.125%
HK$102,625
baseline
▲ 0.50% · 4.625%
HK$108,869
+HK$6,244/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$205,250/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,499,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,432
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,314
−HK$2,923/mo
Today · 4.125%
HK$113,237
baseline
▲ 0.50% · 4.625%
HK$119,205
+HK$5,968/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$226,474/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,499,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,664
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$116,169
−HK$3,560/mo
Today · 4.125%
HK$119,729
baseline
▲ 0.50% · 4.625%
HK$127,014
+HK$7,285/mo
Deposit HK$10.59M · loan HK$24.70M · min. income ≈ HK$239,458/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,499,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,338
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$128,699
−HK$3,410/mo
Today · 4.125%
HK$132,109
baseline
▲ 0.50% · 4.625%
HK$139,073
+HK$6,964/mo
Deposit HK$10.59M · loan HK$24.70M · min. income ≈ HK$264,218/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,499,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,854
−HK$9,083/mo
▼ 0.25% · 3.875%
HK$149,360
−HK$4,577/mo
Today · 4.125%
HK$153,937
baseline
▲ 0.50% · 4.625%
HK$163,304
+HK$9,367/mo
Deposit HK$3.53M · loan HK$31.76M · min. income ≈ HK$307,874/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,148
−HK$8,707/mo
▼ 0.25% · 3.875%
HK$165,470
−HK$4,385/mo
Today · 4.125%
HK$169,855
baseline
▲ 0.50% · 4.625%
HK$178,808
+HK$8,953/mo
Deposit HK$3.53M · loan HK$31.76M · min. income ≈ HK$339,710/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,902 · Scale 2, in force from 26 Feb 2026)