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$99,033
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,113
−HK$3,130/mo
Today · 4.125%
HK$105,243
baseline
▲ 0.50% · 4.625%
HK$111,647
+HK$6,404/mo
Deposit HK$21.72M · loan HK$21.72M · min. income ≈ HK$210,486/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$1,845,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,173
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,128
−HK$2,997/mo
Today · 4.125%
HK$116,125
baseline
▲ 0.50% · 4.625%
HK$122,246
+HK$6,121/mo
Deposit HK$21.72M · loan HK$21.72M · min. income ≈ HK$232,250/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$1,845,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,839
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$122,536
−HK$3,756/mo
Today · 4.125%
HK$126,292
baseline
▲ 0.50% · 4.625%
HK$133,976
+HK$7,684/mo
Deposit HK$17.37M · loan HK$26.06M · min. income ≈ HK$252,584/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,845,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,208
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$135,753
−HK$3,597/mo
Today · 4.125%
HK$139,350
baseline
▲ 0.50% · 4.625%
HK$146,696
+HK$7,346/mo
Deposit HK$17.37M · loan HK$26.06M · min. income ≈ HK$278,700/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,845,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,646
−HK$8,694/mo
▼ 0.25% · 3.875%
HK$142,959
−HK$4,381/mo
Today · 4.125%
HK$147,340
baseline
▲ 0.50% · 4.625%
HK$156,306
+HK$8,966/mo
Deposit HK$13.03M · loan HK$30.40M · min. income ≈ HK$294,680/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,845,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,242
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$158,379
−HK$4,196/mo
Today · 4.125%
HK$162,575
baseline
▲ 0.50% · 4.625%
HK$171,145
+HK$8,570/mo
Deposit HK$13.03M · loan HK$30.40M · min. income ≈ HK$325,150/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,845,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,259
−HK$11,179/mo
▼ 0.25% · 3.875%
HK$183,804
−HK$5,634/mo
Today · 4.125%
HK$189,438
baseline
▲ 0.50% · 4.625%
HK$200,964
+HK$11,526/mo
Deposit HK$4.34M · loan HK$39.09M · min. income ≈ HK$378,876/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,845,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,311
−HK$10,715/mo
▼ 0.25% · 3.875%
HK$203,630
−HK$5,396/mo
Today · 4.125%
HK$209,026
baseline
▲ 0.50% · 4.625%
HK$220,044
+HK$11,018/mo
Deposit HK$4.34M · loan HK$39.09M · min. income ≈ HK$418,052/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,845,800 · Scale 2, in force from 26 Feb 2026)