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$99,322
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,412
−HK$3,139/mo
Today · 4.125%
HK$105,551
baseline
▲ 0.50% · 4.625%
HK$111,973
+HK$6,422/mo
Deposit HK$21.78M · loan HK$21.78M · min. income ≈ HK$211,102/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$1,851,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,495
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,459
−HK$3,006/mo
Today · 4.125%
HK$116,465
baseline
▲ 0.50% · 4.625%
HK$122,604
+HK$6,139/mo
Deposit HK$21.78M · loan HK$21.78M · min. income ≈ HK$232,930/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$1,851,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,187
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$122,894
−HK$3,767/mo
Today · 4.125%
HK$126,661
baseline
▲ 0.50% · 4.625%
HK$134,368
+HK$7,707/mo
Deposit HK$17.42M · loan HK$26.13M · min. income ≈ HK$253,322/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,851,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,594
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$136,150
−HK$3,608/mo
Today · 4.125%
HK$139,758
baseline
▲ 0.50% · 4.625%
HK$147,125
+HK$7,367/mo
Deposit HK$17.42M · loan HK$26.13M · min. income ≈ HK$279,516/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,851,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,051
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$143,377
−HK$4,394/mo
Today · 4.125%
HK$147,771
baseline
▲ 0.50% · 4.625%
HK$156,763
+HK$8,992/mo
Deposit HK$13.07M · loan HK$30.49M · min. income ≈ HK$295,542/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,851,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,693
−HK$8,358/mo
▼ 0.25% · 3.875%
HK$158,842
−HK$4,209/mo
Today · 4.125%
HK$163,051
baseline
▲ 0.50% · 4.625%
HK$171,645
+HK$8,594/mo
Deposit HK$13.07M · loan HK$30.49M · min. income ≈ HK$326,102/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,851,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,780
−HK$11,211/mo
▼ 0.25% · 3.875%
HK$184,341
−HK$5,650/mo
Today · 4.125%
HK$189,991
baseline
▲ 0.50% · 4.625%
HK$201,552
+HK$11,561/mo
Deposit HK$4.36M · loan HK$39.20M · min. income ≈ HK$379,982/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,851,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,891
−HK$10,746/mo
▼ 0.25% · 3.875%
HK$204,225
−HK$5,412/mo
Today · 4.125%
HK$209,637
baseline
▲ 0.50% · 4.625%
HK$220,687
+HK$11,050/mo
Deposit HK$4.36M · loan HK$39.20M · min. income ≈ HK$419,274/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,851,196 · Scale 2, in force from 26 Feb 2026)