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$99,891
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$102,999
−HK$3,156/mo
Today · 4.125%
HK$106,155
baseline
▲ 0.50% · 4.625%
HK$112,615
+HK$6,460/mo
Deposit HK$21.90M · loan HK$21.90M · min. income ≈ HK$212,310/mo (50% DSR)
Upfront cash ≈ HK$23.77M (deposit + AVD stamp duty HK$1,861,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,128
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,109
−HK$3,023/mo
Today · 4.125%
HK$117,132
baseline
▲ 0.50% · 4.625%
HK$123,306
+HK$6,174/mo
Deposit HK$21.90M · loan HK$21.90M · min. income ≈ HK$234,264/mo (50% DSR)
Upfront cash ≈ HK$23.77M (deposit + AVD stamp duty HK$1,861,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,870
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$123,598
−HK$3,788/mo
Today · 4.125%
HK$127,386
baseline
▲ 0.50% · 4.625%
HK$135,138
+HK$7,752/mo
Deposit HK$17.52M · loan HK$26.28M · min. income ≈ HK$254,772/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,861,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,354
−HK$7,204/mo
▼ 0.25% · 3.875%
HK$136,930
−HK$3,628/mo
Today · 4.125%
HK$140,558
baseline
▲ 0.50% · 4.625%
HK$147,967
+HK$7,409/mo
Deposit HK$17.52M · loan HK$26.28M · min. income ≈ HK$281,116/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,861,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,848
−HK$8,770/mo
▼ 0.25% · 3.875%
HK$144,198
−HK$4,420/mo
Today · 4.125%
HK$148,618
baseline
▲ 0.50% · 4.625%
HK$157,661
+HK$9,043/mo
Deposit HK$13.14M · loan HK$30.66M · min. income ≈ HK$297,236/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,861,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,579
−HK$8,406/mo
▼ 0.25% · 3.875%
HK$159,752
−HK$4,233/mo
Today · 4.125%
HK$163,985
baseline
▲ 0.50% · 4.625%
HK$172,629
+HK$8,644/mo
Deposit HK$13.14M · loan HK$30.66M · min. income ≈ HK$327,970/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,861,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,804
−HK$11,276/mo
▼ 0.25% · 3.875%
HK$185,397
−HK$5,683/mo
Today · 4.125%
HK$191,080
baseline
▲ 0.50% · 4.625%
HK$202,706
+HK$11,626/mo
Deposit HK$4.38M · loan HK$39.43M · min. income ≈ HK$382,160/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,861,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,031
−HK$10,807/mo
▼ 0.25% · 3.875%
HK$205,395
−HK$5,443/mo
Today · 4.125%
HK$210,838
baseline
▲ 0.50% · 4.625%
HK$221,951
+HK$11,113/mo
Deposit HK$4.38M · loan HK$39.43M · min. income ≈ HK$421,676/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,861,801 · Scale 2, in force from 26 Feb 2026)