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$99,683
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$102,783
−HK$3,151/mo
Today · 4.125%
HK$105,934
baseline
▲ 0.50% · 4.625%
HK$112,379
+HK$6,445/mo
Deposit HK$21.86M · loan HK$21.86M · min. income ≈ HK$211,868/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$1,857,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,896
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,870
−HK$3,017/mo
Today · 4.125%
HK$116,887
baseline
▲ 0.50% · 4.625%
HK$123,049
+HK$6,162/mo
Deposit HK$21.86M · loan HK$21.86M · min. income ≈ HK$233,774/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$1,857,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,619
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$123,340
−HK$3,780/mo
Today · 4.125%
HK$127,120
baseline
▲ 0.50% · 4.625%
HK$134,855
+HK$7,735/mo
Deposit HK$17.49M · loan HK$26.23M · min. income ≈ HK$254,240/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,075
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$136,644
−HK$3,621/mo
Today · 4.125%
HK$140,265
baseline
▲ 0.50% · 4.625%
HK$147,658
+HK$7,393/mo
Deposit HK$17.49M · loan HK$26.23M · min. income ≈ HK$280,530/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,556
−HK$8,751/mo
▼ 0.25% · 3.875%
HK$143,897
−HK$4,410/mo
Today · 4.125%
HK$148,307
baseline
▲ 0.50% · 4.625%
HK$157,331
+HK$9,024/mo
Deposit HK$13.11M · loan HK$30.60M · min. income ≈ HK$296,614/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,254
−HK$8,388/mo
▼ 0.25% · 3.875%
HK$159,418
−HK$4,224/mo
Today · 4.125%
HK$163,642
baseline
▲ 0.50% · 4.625%
HK$172,268
+HK$8,626/mo
Deposit HK$13.11M · loan HK$30.60M · min. income ≈ HK$327,284/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,429
−HK$11,252/mo
▼ 0.25% · 3.875%
HK$185,010
−HK$5,671/mo
Today · 4.125%
HK$190,681
baseline
▲ 0.50% · 4.625%
HK$202,283
+HK$11,602/mo
Deposit HK$4.37M · loan HK$39.34M · min. income ≈ HK$381,362/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,613
−HK$10,784/mo
▼ 0.25% · 3.875%
HK$204,966
−HK$5,431/mo
Today · 4.125%
HK$210,397
baseline
▲ 0.50% · 4.625%
HK$221,487
+HK$11,090/mo
Deposit HK$4.37M · loan HK$39.34M · min. income ≈ HK$420,794/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,911 · Scale 2, in force from 26 Feb 2026)