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$99,066
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,147
−HK$3,131/mo
Today · 4.125%
HK$105,278
baseline
▲ 0.50% · 4.625%
HK$111,684
+HK$6,406/mo
Deposit HK$21.72M · loan HK$21.72M · min. income ≈ HK$210,556/mo (50% DSR)
Upfront cash ≈ HK$23.57M (deposit + AVD stamp duty HK$1,846,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,209
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,165
−HK$2,999/mo
Today · 4.125%
HK$116,164
baseline
▲ 0.50% · 4.625%
HK$122,287
+HK$6,123/mo
Deposit HK$21.72M · loan HK$21.72M · min. income ≈ HK$232,328/mo (50% DSR)
Upfront cash ≈ HK$23.57M (deposit + AVD stamp duty HK$1,846,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,879
−HK$7,454/mo
▼ 0.25% · 3.875%
HK$122,576
−HK$3,757/mo
Today · 4.125%
HK$126,333
baseline
▲ 0.50% · 4.625%
HK$134,021
+HK$7,688/mo
Deposit HK$17.38M · loan HK$26.07M · min. income ≈ HK$252,666/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,846,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,251
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$135,798
−HK$3,598/mo
Today · 4.125%
HK$139,396
baseline
▲ 0.50% · 4.625%
HK$146,744
+HK$7,348/mo
Deposit HK$17.38M · loan HK$26.07M · min. income ≈ HK$278,792/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,846,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,692
−HK$8,697/mo
▼ 0.25% · 3.875%
HK$143,006
−HK$4,383/mo
Today · 4.125%
HK$147,389
baseline
▲ 0.50% · 4.625%
HK$156,357
+HK$8,968/mo
Deposit HK$13.03M · loan HK$30.41M · min. income ≈ HK$294,778/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,846,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,293
−HK$8,336/mo
▼ 0.25% · 3.875%
HK$158,431
−HK$4,198/mo
Today · 4.125%
HK$162,629
baseline
▲ 0.50% · 4.625%
HK$171,202
+HK$8,573/mo
Deposit HK$13.03M · loan HK$30.41M · min. income ≈ HK$325,258/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,846,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,318
−HK$11,182/mo
▼ 0.25% · 3.875%
HK$183,865
−HK$5,635/mo
Today · 4.125%
HK$189,500
baseline
▲ 0.50% · 4.625%
HK$201,031
+HK$11,531/mo
Deposit HK$4.34M · loan HK$39.10M · min. income ≈ HK$379,000/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,846,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,377
−HK$10,718/mo
▼ 0.25% · 3.875%
HK$203,697
−HK$5,398/mo
Today · 4.125%
HK$209,095
baseline
▲ 0.50% · 4.625%
HK$220,116
+HK$11,021/mo
Deposit HK$4.34M · loan HK$39.10M · min. income ≈ HK$418,190/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,846,410 · Scale 2, in force from 26 Feb 2026)