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$99,323
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,412
−HK$3,139/mo
Today · 4.125%
HK$105,551
baseline
▲ 0.50% · 4.625%
HK$111,974
+HK$6,423/mo
Deposit HK$21.78M · loan HK$21.78M · min. income ≈ HK$211,102/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$1,851,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,496
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,459
−HK$3,007/mo
Today · 4.125%
HK$116,466
baseline
▲ 0.50% · 4.625%
HK$122,605
+HK$6,139/mo
Deposit HK$21.78M · loan HK$21.78M · min. income ≈ HK$232,932/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$1,851,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,188
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$122,895
−HK$3,767/mo
Today · 4.125%
HK$126,662
baseline
▲ 0.50% · 4.625%
HK$134,369
+HK$7,707/mo
Deposit HK$17.42M · loan HK$26.13M · min. income ≈ HK$253,324/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,851,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,595
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$136,151
−HK$3,608/mo
Today · 4.125%
HK$139,759
baseline
▲ 0.50% · 4.625%
HK$147,125
+HK$7,366/mo
Deposit HK$17.42M · loan HK$26.13M · min. income ≈ HK$279,518/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,851,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,052
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$143,377
−HK$4,395/mo
Today · 4.125%
HK$147,772
baseline
▲ 0.50% · 4.625%
HK$156,763
+HK$8,991/mo
Deposit HK$13.07M · loan HK$30.49M · min. income ≈ HK$295,544/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,851,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,694
−HK$8,358/mo
▼ 0.25% · 3.875%
HK$158,843
−HK$4,209/mo
Today · 4.125%
HK$163,052
baseline
▲ 0.50% · 4.625%
HK$171,646
+HK$8,594/mo
Deposit HK$13.07M · loan HK$30.49M · min. income ≈ HK$326,104/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,851,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,781
−HK$11,211/mo
▼ 0.25% · 3.875%
HK$184,342
−HK$5,650/mo
Today · 4.125%
HK$189,992
baseline
▲ 0.50% · 4.625%
HK$201,553
+HK$11,561/mo
Deposit HK$4.36M · loan HK$39.20M · min. income ≈ HK$379,984/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,851,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,892
−HK$10,746/mo
▼ 0.25% · 3.875%
HK$204,227
−HK$5,411/mo
Today · 4.125%
HK$209,638
baseline
▲ 0.50% · 4.625%
HK$220,688
+HK$11,050/mo
Deposit HK$4.36M · loan HK$39.20M · min. income ≈ HK$419,276/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,851,207 · Scale 2, in force from 26 Feb 2026)