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$99,385
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,476
−HK$3,141/mo
Today · 4.125%
HK$105,617
baseline
▲ 0.50% · 4.625%
HK$112,044
+HK$6,427/mo
Deposit HK$21.79M · loan HK$21.79M · min. income ≈ HK$211,234/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$1,852,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,565
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,530
−HK$3,008/mo
Today · 4.125%
HK$116,538
baseline
▲ 0.50% · 4.625%
HK$122,681
+HK$6,143/mo
Deposit HK$21.79M · loan HK$21.79M · min. income ≈ HK$233,076/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$1,852,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,262
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$122,971
−HK$3,770/mo
Today · 4.125%
HK$126,741
baseline
▲ 0.50% · 4.625%
HK$134,452
+HK$7,711/mo
Deposit HK$17.43M · loan HK$26.15M · min. income ≈ HK$253,482/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,678
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$136,236
−HK$3,610/mo
Today · 4.125%
HK$139,846
baseline
▲ 0.50% · 4.625%
HK$147,217
+HK$7,371/mo
Deposit HK$17.43M · loan HK$26.15M · min. income ≈ HK$279,692/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,139
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$143,467
−HK$4,397/mo
Today · 4.125%
HK$147,864
baseline
▲ 0.50% · 4.625%
HK$156,861
+HK$8,997/mo
Deposit HK$13.08M · loan HK$30.51M · min. income ≈ HK$295,728/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,790
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$158,942
−HK$4,211/mo
Today · 4.125%
HK$163,153
baseline
▲ 0.50% · 4.625%
HK$171,753
+HK$8,600/mo
Deposit HK$13.08M · loan HK$30.51M · min. income ≈ HK$326,306/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,893
−HK$11,218/mo
▼ 0.25% · 3.875%
HK$184,457
−HK$5,654/mo
Today · 4.125%
HK$190,111
baseline
▲ 0.50% · 4.625%
HK$201,679
+HK$11,568/mo
Deposit HK$4.36M · loan HK$39.23M · min. income ≈ HK$380,222/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,016
−HK$10,753/mo
▼ 0.25% · 3.875%
HK$204,354
−HK$5,415/mo
Today · 4.125%
HK$209,769
baseline
▲ 0.50% · 4.625%
HK$220,826
+HK$11,057/mo
Deposit HK$4.36M · loan HK$39.23M · min. income ≈ HK$419,538/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,360 · Scale 2, in force from 26 Feb 2026)