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$99,247
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$102,334
−HK$3,136/mo
Today · 4.125%
HK$105,470
baseline
▲ 0.50% · 4.625%
HK$111,888
+HK$6,418/mo
Deposit HK$21.76M · loan HK$21.76M · min. income ≈ HK$210,940/mo (50% DSR)
Upfront cash ≈ HK$23.61M (deposit + AVD stamp duty HK$1,849,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,411
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$113,372
−HK$3,004/mo
Today · 4.125%
HK$116,376
baseline
▲ 0.50% · 4.625%
HK$122,511
+HK$6,135/mo
Deposit HK$21.76M · loan HK$21.76M · min. income ≈ HK$232,752/mo (50% DSR)
Upfront cash ≈ HK$23.61M (deposit + AVD stamp duty HK$1,849,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,096
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$122,801
−HK$3,764/mo
Today · 4.125%
HK$126,565
baseline
▲ 0.50% · 4.625%
HK$134,266
+HK$7,701/mo
Deposit HK$17.41M · loan HK$26.11M · min. income ≈ HK$253,130/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,849,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,493
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$136,047
−HK$3,605/mo
Today · 4.125%
HK$139,652
baseline
▲ 0.50% · 4.625%
HK$147,013
+HK$7,361/mo
Deposit HK$17.41M · loan HK$26.11M · min. income ≈ HK$279,304/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,849,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,946
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$143,268
−HK$4,391/mo
Today · 4.125%
HK$147,659
baseline
▲ 0.50% · 4.625%
HK$156,643
+HK$8,984/mo
Deposit HK$13.06M · loan HK$30.47M · min. income ≈ HK$295,318/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,849,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,576
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$158,721
−HK$4,206/mo
Today · 4.125%
HK$162,927
baseline
▲ 0.50% · 4.625%
HK$171,515
+HK$8,588/mo
Deposit HK$13.06M · loan HK$30.47M · min. income ≈ HK$325,854/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,849,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,644
−HK$11,203/mo
▼ 0.25% · 3.875%
HK$184,201
−HK$5,646/mo
Today · 4.125%
HK$189,847
baseline
▲ 0.50% · 4.625%
HK$201,399
+HK$11,552/mo
Deposit HK$4.35M · loan HK$39.17M · min. income ≈ HK$379,694/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,849,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,740
−HK$10,737/mo
▼ 0.25% · 3.875%
HK$204,070
−HK$5,407/mo
Today · 4.125%
HK$209,477
baseline
▲ 0.50% · 4.625%
HK$220,519
+HK$11,042/mo
Deposit HK$4.35M · loan HK$39.17M · min. income ≈ HK$418,954/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,849,788 · Scale 2, in force from 26 Feb 2026)