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$99,393
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,485
−HK$3,141/mo
Today · 4.125%
HK$105,626
baseline
▲ 0.50% · 4.625%
HK$112,053
+HK$6,427/mo
Deposit HK$21.79M · loan HK$21.79M · min. income ≈ HK$211,252/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,852,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,574
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,540
−HK$3,008/mo
Today · 4.125%
HK$116,548
baseline
▲ 0.50% · 4.625%
HK$122,691
+HK$6,143/mo
Deposit HK$21.79M · loan HK$21.79M · min. income ≈ HK$233,096/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,852,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,272
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$122,982
−HK$3,769/mo
Today · 4.125%
HK$126,751
baseline
▲ 0.50% · 4.625%
HK$134,464
+HK$7,713/mo
Deposit HK$17.44M · loan HK$26.15M · min. income ≈ HK$253,502/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,689
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,247
−HK$3,611/mo
Today · 4.125%
HK$139,858
baseline
▲ 0.50% · 4.625%
HK$147,230
+HK$7,372/mo
Deposit HK$17.44M · loan HK$26.15M · min. income ≈ HK$279,716/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,151
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$143,479
−HK$4,397/mo
Today · 4.125%
HK$147,876
baseline
▲ 0.50% · 4.625%
HK$156,874
+HK$8,998/mo
Deposit HK$13.08M · loan HK$30.51M · min. income ≈ HK$295,752/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,804
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$158,955
−HK$4,212/mo
Today · 4.125%
HK$163,167
baseline
▲ 0.50% · 4.625%
HK$171,768
+HK$8,601/mo
Deposit HK$13.08M · loan HK$30.51M · min. income ≈ HK$326,334/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,908
−HK$11,219/mo
▼ 0.25% · 3.875%
HK$184,473
−HK$5,654/mo
Today · 4.125%
HK$190,127
baseline
▲ 0.50% · 4.625%
HK$201,696
+HK$11,569/mo
Deposit HK$4.36M · loan HK$39.23M · min. income ≈ HK$380,254/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,033
−HK$10,753/mo
▼ 0.25% · 3.875%
HK$204,371
−HK$5,415/mo
Today · 4.125%
HK$209,786
baseline
▲ 0.50% · 4.625%
HK$220,844
+HK$11,058/mo
Deposit HK$4.36M · loan HK$39.23M · min. income ≈ HK$419,572/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,517 · Scale 2, in force from 26 Feb 2026)