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$80,476
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,980
−HK$2,543/mo
Today · 4.125%
HK$85,523
baseline
▲ 0.50% · 4.625%
HK$90,727
+HK$5,204/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$171,046/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,499,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,529
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,930
−HK$2,436/mo
Today · 4.125%
HK$94,366
baseline
▲ 0.50% · 4.625%
HK$99,340
+HK$4,974/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$188,732/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,499,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,572
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$99,576
−HK$3,052/mo
Today · 4.125%
HK$102,628
baseline
▲ 0.50% · 4.625%
HK$108,872
+HK$6,244/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$205,256/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,499,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,435
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,316
−HK$2,923/mo
Today · 4.125%
HK$113,239
baseline
▲ 0.50% · 4.625%
HK$119,208
+HK$5,969/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$226,478/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,499,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,667
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$116,172
−HK$3,560/mo
Today · 4.125%
HK$119,732
baseline
▲ 0.50% · 4.625%
HK$127,018
+HK$7,286/mo
Deposit HK$10.59M · loan HK$24.70M · min. income ≈ HK$239,464/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,499,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,341
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,703
−HK$3,410/mo
Today · 4.125%
HK$132,113
baseline
▲ 0.50% · 4.625%
HK$139,077
+HK$6,964/mo
Deposit HK$10.59M · loan HK$24.70M · min. income ≈ HK$264,226/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,499,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,858
−HK$9,083/mo
▼ 0.25% · 3.875%
HK$149,364
−HK$4,577/mo
Today · 4.125%
HK$153,941
baseline
▲ 0.50% · 4.625%
HK$163,308
+HK$9,367/mo
Deposit HK$3.53M · loan HK$31.76M · min. income ≈ HK$307,882/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,153
−HK$8,706/mo
▼ 0.25% · 3.875%
HK$165,475
−HK$4,384/mo
Today · 4.125%
HK$169,859
baseline
▲ 0.50% · 4.625%
HK$178,813
+HK$8,954/mo
Deposit HK$3.53M · loan HK$31.76M · min. income ≈ HK$339,718/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,941 · Scale 2, in force from 26 Feb 2026)