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$99,263
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$102,351
−HK$3,137/mo
Today · 4.125%
HK$105,488
baseline
▲ 0.50% · 4.625%
HK$111,906
+HK$6,418/mo
Deposit HK$21.77M · loan HK$21.77M · min. income ≈ HK$210,976/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$1,850,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,429
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,391
−HK$3,004/mo
Today · 4.125%
HK$116,395
baseline
▲ 0.50% · 4.625%
HK$122,531
+HK$6,136/mo
Deposit HK$21.77M · loan HK$21.77M · min. income ≈ HK$232,790/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$1,850,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,116
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$122,821
−HK$3,764/mo
Today · 4.125%
HK$126,585
baseline
▲ 0.50% · 4.625%
HK$134,288
+HK$7,703/mo
Deposit HK$17.41M · loan HK$26.12M · min. income ≈ HK$253,170/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,850,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,515
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$136,069
−HK$3,605/mo
Today · 4.125%
HK$139,674
baseline
▲ 0.50% · 4.625%
HK$147,037
+HK$7,363/mo
Deposit HK$17.41M · loan HK$26.12M · min. income ≈ HK$279,348/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,850,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,968
−HK$8,715/mo
▼ 0.25% · 3.875%
HK$143,291
−HK$4,392/mo
Today · 4.125%
HK$147,683
baseline
▲ 0.50% · 4.625%
HK$156,669
+HK$8,986/mo
Deposit HK$13.06M · loan HK$30.47M · min. income ≈ HK$295,366/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,850,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,601
−HK$8,352/mo
▼ 0.25% · 3.875%
HK$158,747
−HK$4,206/mo
Today · 4.125%
HK$162,953
baseline
▲ 0.50% · 4.625%
HK$171,543
+HK$8,590/mo
Deposit HK$13.06M · loan HK$30.47M · min. income ≈ HK$325,906/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,850,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,673
−HK$11,205/mo
▼ 0.25% · 3.875%
HK$184,231
−HK$5,647/mo
Today · 4.125%
HK$189,878
baseline
▲ 0.50% · 4.625%
HK$201,431
+HK$11,553/mo
Deposit HK$4.35M · loan HK$39.18M · min. income ≈ HK$379,756/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,850,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,772
−HK$10,739/mo
▼ 0.25% · 3.875%
HK$204,103
−HK$5,408/mo
Today · 4.125%
HK$209,511
baseline
▲ 0.50% · 4.625%
HK$220,555
+HK$11,044/mo
Deposit HK$4.35M · loan HK$39.18M · min. income ≈ HK$419,022/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,850,090 · Scale 2, in force from 26 Feb 2026)