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$80,479
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,982
−HK$2,544/mo
Today · 4.125%
HK$85,526
baseline
▲ 0.50% · 4.625%
HK$90,730
+HK$5,204/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$171,052/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,499,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,532
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,933
−HK$2,436/mo
Today · 4.125%
HK$94,369
baseline
▲ 0.50% · 4.625%
HK$99,343
+HK$4,974/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$188,738/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,499,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,575
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$99,579
−HK$3,052/mo
Today · 4.125%
HK$102,631
baseline
▲ 0.50% · 4.625%
HK$108,876
+HK$6,245/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$205,262/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,499,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,438
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,320
−HK$2,923/mo
Today · 4.125%
HK$113,243
baseline
▲ 0.50% · 4.625%
HK$119,212
+HK$5,969/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$226,486/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,499,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,670
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$116,175
−HK$3,561/mo
Today · 4.125%
HK$119,736
baseline
▲ 0.50% · 4.625%
HK$127,022
+HK$7,286/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$239,472/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,499,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,345
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,706
−HK$3,411/mo
Today · 4.125%
HK$132,117
baseline
▲ 0.50% · 4.625%
HK$139,081
+HK$6,964/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$264,234/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,499,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,862
−HK$9,084/mo
▼ 0.25% · 3.875%
HK$149,368
−HK$4,578/mo
Today · 4.125%
HK$153,946
baseline
▲ 0.50% · 4.625%
HK$163,313
+HK$9,367/mo
Deposit HK$3.53M · loan HK$31.76M · min. income ≈ HK$307,892/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,158
−HK$8,706/mo
▼ 0.25% · 3.875%
HK$165,480
−HK$4,384/mo
Today · 4.125%
HK$169,864
baseline
▲ 0.50% · 4.625%
HK$178,818
+HK$8,954/mo
Deposit HK$3.53M · loan HK$31.76M · min. income ≈ HK$339,728/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,987 · Scale 2, in force from 26 Feb 2026)