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$79,675
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,153
−HK$2,518/mo
Today · 4.125%
HK$84,671
baseline
▲ 0.50% · 4.625%
HK$89,823
+HK$5,152/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$169,342/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,485,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,637
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,015
−HK$2,411/mo
Today · 4.125%
HK$93,426
baseline
▲ 0.50% · 4.625%
HK$98,351
+HK$4,925/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$186,852/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,485,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,610
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$98,584
−HK$3,021/mo
Today · 4.125%
HK$101,605
baseline
▲ 0.50% · 4.625%
HK$107,788
+HK$6,183/mo
Deposit HK$13.98M · loan HK$20.96M · min. income ≈ HK$203,210/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,485,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,365
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,218
−HK$2,894/mo
Today · 4.125%
HK$112,112
baseline
▲ 0.50% · 4.625%
HK$118,021
+HK$5,909/mo
Deposit HK$13.98M · loan HK$20.96M · min. income ≈ HK$224,224/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,485,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,545
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,014
−HK$3,526/mo
Today · 4.125%
HK$118,540
baseline
▲ 0.50% · 4.625%
HK$125,752
+HK$7,212/mo
Deposit HK$10.48M · loan HK$24.46M · min. income ≈ HK$237,080/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,485,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,092
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,421
−HK$3,376/mo
Today · 4.125%
HK$130,797
baseline
▲ 0.50% · 4.625%
HK$137,691
+HK$6,894/mo
Deposit HK$10.48M · loan HK$24.46M · min. income ≈ HK$261,594/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,485,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,415
−HK$8,993/mo
▼ 0.25% · 3.875%
HK$147,876
−HK$4,532/mo
Today · 4.125%
HK$152,408
baseline
▲ 0.50% · 4.625%
HK$161,682
+HK$9,274/mo
Deposit HK$3.49M · loan HK$31.45M · min. income ≈ HK$304,816/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,485,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,547
−HK$8,620/mo
▼ 0.25% · 3.875%
HK$163,826
−HK$4,341/mo
Today · 4.125%
HK$168,167
baseline
▲ 0.50% · 4.625%
HK$177,032
+HK$8,865/mo
Deposit HK$3.49M · loan HK$31.45M · min. income ≈ HK$336,334/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,485,000 · Scale 2, in force from 26 Feb 2026)