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$80,472
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,975
−HK$2,544/mo
Today · 4.125%
HK$85,519
baseline
▲ 0.50% · 4.625%
HK$90,722
+HK$5,203/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$171,038/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,499,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,525
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,926
−HK$2,435/mo
Today · 4.125%
HK$94,361
baseline
▲ 0.50% · 4.625%
HK$99,335
+HK$4,974/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$188,722/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,499,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,567
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,570
−HK$3,052/mo
Today · 4.125%
HK$102,622
baseline
▲ 0.50% · 4.625%
HK$108,867
+HK$6,245/mo
Deposit HK$14.12M · loan HK$21.17M · min. income ≈ HK$205,244/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,499,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,429
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,311
−HK$2,923/mo
Today · 4.125%
HK$113,234
baseline
▲ 0.50% · 4.625%
HK$119,202
+HK$5,968/mo
Deposit HK$14.12M · loan HK$21.17M · min. income ≈ HK$226,468/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,499,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,661
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$116,165
−HK$3,561/mo
Today · 4.125%
HK$119,726
baseline
▲ 0.50% · 4.625%
HK$127,011
+HK$7,285/mo
Deposit HK$10.59M · loan HK$24.70M · min. income ≈ HK$239,452/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,499,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,334
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,696
−HK$3,410/mo
Today · 4.125%
HK$132,106
baseline
▲ 0.50% · 4.625%
HK$139,069
+HK$6,963/mo
Deposit HK$10.59M · loan HK$24.70M · min. income ≈ HK$264,212/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,499,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,850
−HK$9,083/mo
▼ 0.25% · 3.875%
HK$149,356
−HK$4,577/mo
Today · 4.125%
HK$153,933
baseline
▲ 0.50% · 4.625%
HK$163,300
+HK$9,367/mo
Deposit HK$3.53M · loan HK$31.76M · min. income ≈ HK$307,866/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,144
−HK$8,706/mo
▼ 0.25% · 3.875%
HK$165,466
−HK$4,384/mo
Today · 4.125%
HK$169,850
baseline
▲ 0.50% · 4.625%
HK$178,803
+HK$8,953/mo
Deposit HK$3.53M · loan HK$31.76M · min. income ≈ HK$339,700/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,862 · Scale 2, in force from 26 Feb 2026)