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$99,525
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,621
−HK$3,145/mo
Today · 4.125%
HK$105,766
baseline
▲ 0.50% · 4.625%
HK$112,202
+HK$6,436/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$211,532/mo (50% DSR)
Upfront cash ≈ HK$23.68M (deposit + AVD stamp duty HK$1,854,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,721
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,690
−HK$3,013/mo
Today · 4.125%
HK$116,703
baseline
▲ 0.50% · 4.625%
HK$122,854
+HK$6,151/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$233,406/mo (50% DSR)
Upfront cash ≈ HK$23.68M (deposit + AVD stamp duty HK$1,854,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,430
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$123,145
−HK$3,775/mo
Today · 4.125%
HK$126,920
baseline
▲ 0.50% · 4.625%
HK$134,642
+HK$7,722/mo
Deposit HK$17.46M · loan HK$26.19M · min. income ≈ HK$253,840/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,865
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$136,428
−HK$3,615/mo
Today · 4.125%
HK$140,043
baseline
▲ 0.50% · 4.625%
HK$147,425
+HK$7,382/mo
Deposit HK$17.46M · loan HK$26.19M · min. income ≈ HK$280,086/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,335
−HK$8,738/mo
▼ 0.25% · 3.875%
HK$143,669
−HK$4,404/mo
Today · 4.125%
HK$148,073
baseline
▲ 0.50% · 4.625%
HK$157,083
+HK$9,010/mo
Deposit HK$13.09M · loan HK$30.55M · min. income ≈ HK$296,146/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,854,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,009
−HK$8,375/mo
▼ 0.25% · 3.875%
HK$159,166
−HK$4,218/mo
Today · 4.125%
HK$163,384
baseline
▲ 0.50% · 4.625%
HK$171,996
+HK$8,612/mo
Deposit HK$13.09M · loan HK$30.55M · min. income ≈ HK$326,768/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,854,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,145
−HK$11,234/mo
▼ 0.25% · 3.875%
HK$184,718
−HK$5,661/mo
Today · 4.125%
HK$190,379
baseline
▲ 0.50% · 4.625%
HK$201,964
+HK$11,585/mo
Deposit HK$4.36M · loan HK$39.28M · min. income ≈ HK$380,758/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,298
−HK$10,767/mo
▼ 0.25% · 3.875%
HK$204,643
−HK$5,422/mo
Today · 4.125%
HK$210,065
baseline
▲ 0.50% · 4.625%
HK$221,138
+HK$11,073/mo
Deposit HK$4.36M · loan HK$39.28M · min. income ≈ HK$420,130/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,978 · Scale 2, in force from 26 Feb 2026)