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$99,227
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,313
−HK$3,136/mo
Today · 4.125%
HK$105,449
baseline
▲ 0.50% · 4.625%
HK$111,865
+HK$6,416/mo
Deposit HK$21.76M · loan HK$21.76M · min. income ≈ HK$210,898/mo (50% DSR)
Upfront cash ≈ HK$23.61M (deposit + AVD stamp duty HK$1,849,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,389
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,349
−HK$3,004/mo
Today · 4.125%
HK$116,353
baseline
▲ 0.50% · 4.625%
HK$122,486
+HK$6,133/mo
Deposit HK$21.76M · loan HK$21.76M · min. income ≈ HK$232,706/mo (50% DSR)
Upfront cash ≈ HK$23.61M (deposit + AVD stamp duty HK$1,849,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,072
−HK$7,467/mo
▼ 0.25% · 3.875%
HK$122,776
−HK$3,763/mo
Today · 4.125%
HK$126,539
baseline
▲ 0.50% · 4.625%
HK$134,238
+HK$7,699/mo
Deposit HK$17.41M · loan HK$26.11M · min. income ≈ HK$253,078/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,849,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,466
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$136,019
−HK$3,604/mo
Today · 4.125%
HK$139,623
baseline
▲ 0.50% · 4.625%
HK$146,983
+HK$7,360/mo
Deposit HK$17.41M · loan HK$26.11M · min. income ≈ HK$279,246/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,849,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,917
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$143,238
−HK$4,391/mo
Today · 4.125%
HK$147,629
baseline
▲ 0.50% · 4.625%
HK$156,611
+HK$8,982/mo
Deposit HK$13.05M · loan HK$30.46M · min. income ≈ HK$295,258/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,849,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,544
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$158,689
−HK$4,205/mo
Today · 4.125%
HK$162,894
baseline
▲ 0.50% · 4.625%
HK$171,480
+HK$8,586/mo
Deposit HK$13.05M · loan HK$30.46M · min. income ≈ HK$325,788/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,849,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,608
−HK$11,200/mo
▼ 0.25% · 3.875%
HK$184,164
−HK$5,644/mo
Today · 4.125%
HK$189,808
baseline
▲ 0.50% · 4.625%
HK$201,358
+HK$11,550/mo
Deposit HK$4.35M · loan HK$39.16M · min. income ≈ HK$379,616/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,849,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,699
−HK$10,736/mo
▼ 0.25% · 3.875%
HK$204,029
−HK$5,406/mo
Today · 4.125%
HK$209,435
baseline
▲ 0.50% · 4.625%
HK$220,474
+HK$11,039/mo
Deposit HK$4.35M · loan HK$39.16M · min. income ≈ HK$418,870/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,849,411 · Scale 2, in force from 26 Feb 2026)