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$98,990
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,069
−HK$3,128/mo
Today · 4.125%
HK$105,197
baseline
▲ 0.50% · 4.625%
HK$111,598
+HK$6,401/mo
Deposit HK$21.71M · loan HK$21.71M · min. income ≈ HK$210,394/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$1,844,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,125
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,079
−HK$2,996/mo
Today · 4.125%
HK$116,075
baseline
▲ 0.50% · 4.625%
HK$122,193
+HK$6,118/mo
Deposit HK$21.71M · loan HK$21.71M · min. income ≈ HK$232,150/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$1,844,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,788
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$122,483
−HK$3,754/mo
Today · 4.125%
HK$126,237
baseline
▲ 0.50% · 4.625%
HK$133,918
+HK$7,681/mo
Deposit HK$17.36M · loan HK$26.05M · min. income ≈ HK$252,474/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,844,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,150
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$135,695
−HK$3,595/mo
Today · 4.125%
HK$139,290
baseline
▲ 0.50% · 4.625%
HK$146,632
+HK$7,342/mo
Deposit HK$17.36M · loan HK$26.05M · min. income ≈ HK$278,580/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,844,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,586
−HK$8,690/mo
▼ 0.25% · 3.875%
HK$142,897
−HK$4,379/mo
Today · 4.125%
HK$147,276
baseline
▲ 0.50% · 4.625%
HK$156,238
+HK$8,962/mo
Deposit HK$13.02M · loan HK$30.39M · min. income ≈ HK$294,552/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,844,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,175
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$158,310
−HK$4,195/mo
Today · 4.125%
HK$162,505
baseline
▲ 0.50% · 4.625%
HK$171,071
+HK$8,566/mo
Deposit HK$13.02M · loan HK$30.39M · min. income ≈ HK$325,010/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,844,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,182
−HK$11,173/mo
▼ 0.25% · 3.875%
HK$183,724
−HK$5,631/mo
Today · 4.125%
HK$189,355
baseline
▲ 0.50% · 4.625%
HK$200,877
+HK$11,522/mo
Deposit HK$4.34M · loan HK$39.07M · min. income ≈ HK$378,710/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,844,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,225
−HK$10,710/mo
▼ 0.25% · 3.875%
HK$203,542
−HK$5,393/mo
Today · 4.125%
HK$208,935
baseline
▲ 0.50% · 4.625%
HK$219,948
+HK$11,013/mo
Deposit HK$4.34M · loan HK$39.07M · min. income ≈ HK$417,870/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,844,999 · Scale 2, in force from 26 Feb 2026)