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$99,240
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$102,327
−HK$3,136/mo
Today · 4.125%
HK$105,463
baseline
▲ 0.50% · 4.625%
HK$111,880
+HK$6,417/mo
Deposit HK$21.76M · loan HK$21.76M · min. income ≈ HK$210,926/mo (50% DSR)
Upfront cash ≈ HK$23.61M (deposit + AVD stamp duty HK$1,849,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,404
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,365
−HK$3,003/mo
Today · 4.125%
HK$116,368
baseline
▲ 0.50% · 4.625%
HK$122,502
+HK$6,134/mo
Deposit HK$21.76M · loan HK$21.76M · min. income ≈ HK$232,736/mo (50% DSR)
Upfront cash ≈ HK$23.61M (deposit + AVD stamp duty HK$1,849,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,088
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$122,792
−HK$3,764/mo
Today · 4.125%
HK$126,556
baseline
▲ 0.50% · 4.625%
HK$134,257
+HK$7,701/mo
Deposit HK$17.41M · loan HK$26.11M · min. income ≈ HK$253,112/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,849,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,484
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$136,037
−HK$3,605/mo
Today · 4.125%
HK$139,642
baseline
▲ 0.50% · 4.625%
HK$147,003
+HK$7,361/mo
Deposit HK$17.41M · loan HK$26.11M · min. income ≈ HK$279,284/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,849,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,936
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$143,258
−HK$4,391/mo
Today · 4.125%
HK$147,649
baseline
▲ 0.50% · 4.625%
HK$156,633
+HK$8,984/mo
Deposit HK$13.06M · loan HK$30.47M · min. income ≈ HK$295,298/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,849,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,565
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$158,710
−HK$4,206/mo
Today · 4.125%
HK$162,916
baseline
▲ 0.50% · 4.625%
HK$171,503
+HK$8,587/mo
Deposit HK$13.06M · loan HK$30.47M · min. income ≈ HK$325,832/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,849,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,632
−HK$11,202/mo
▼ 0.25% · 3.875%
HK$184,189
−HK$5,645/mo
Today · 4.125%
HK$189,834
baseline
▲ 0.50% · 4.625%
HK$201,385
+HK$11,551/mo
Deposit HK$4.35M · loan HK$39.17M · min. income ≈ HK$379,668/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,849,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,726
−HK$10,737/mo
▼ 0.25% · 3.875%
HK$204,056
−HK$5,407/mo
Today · 4.125%
HK$209,463
baseline
▲ 0.50% · 4.625%
HK$220,504
+HK$11,041/mo
Deposit HK$4.35M · loan HK$39.17M · min. income ≈ HK$418,926/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,849,662 · Scale 2, in force from 26 Feb 2026)