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$99,604
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,703
−HK$3,147/mo
Today · 4.125%
HK$105,850
baseline
▲ 0.50% · 4.625%
HK$112,291
+HK$6,441/mo
Deposit HK$21.84M · loan HK$21.84M · min. income ≈ HK$211,700/mo (50% DSR)
Upfront cash ≈ HK$23.70M (deposit + AVD stamp duty HK$1,856,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,809
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,781
−HK$3,014/mo
Today · 4.125%
HK$116,795
baseline
▲ 0.50% · 4.625%
HK$122,952
+HK$6,157/mo
Deposit HK$21.84M · loan HK$21.84M · min. income ≈ HK$233,590/mo (50% DSR)
Upfront cash ≈ HK$23.70M (deposit + AVD stamp duty HK$1,856,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,525
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$123,243
−HK$3,777/mo
Today · 4.125%
HK$127,020
baseline
▲ 0.50% · 4.625%
HK$134,749
+HK$7,729/mo
Deposit HK$17.47M · loan HK$26.21M · min. income ≈ HK$254,040/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,856,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,971
−HK$7,184/mo
▼ 0.25% · 3.875%
HK$136,537
−HK$3,618/mo
Today · 4.125%
HK$140,155
baseline
▲ 0.50% · 4.625%
HK$147,542
+HK$7,387/mo
Deposit HK$17.47M · loan HK$26.21M · min. income ≈ HK$280,310/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,856,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,446
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$143,784
−HK$4,407/mo
Today · 4.125%
HK$148,191
baseline
▲ 0.50% · 4.625%
HK$157,208
+HK$9,017/mo
Deposit HK$13.10M · loan HK$30.58M · min. income ≈ HK$296,382/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,856,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,132
−HK$8,382/mo
▼ 0.25% · 3.875%
HK$159,293
−HK$4,221/mo
Today · 4.125%
HK$163,514
baseline
▲ 0.50% · 4.625%
HK$172,133
+HK$8,619/mo
Deposit HK$13.10M · loan HK$30.58M · min. income ≈ HK$327,028/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,856,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,288
−HK$11,243/mo
▼ 0.25% · 3.875%
HK$184,865
−HK$5,666/mo
Today · 4.125%
HK$190,531
baseline
▲ 0.50% · 4.625%
HK$202,124
+HK$11,593/mo
Deposit HK$4.37M · loan HK$39.31M · min. income ≈ HK$381,062/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,856,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,456
−HK$10,776/mo
▼ 0.25% · 3.875%
HK$204,805
−HK$5,427/mo
Today · 4.125%
HK$210,232
baseline
▲ 0.50% · 4.625%
HK$221,313
+HK$11,081/mo
Deposit HK$4.37M · loan HK$39.31M · min. income ≈ HK$420,464/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,856,452 · Scale 2, in force from 26 Feb 2026)