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$98,897
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,973
−HK$3,125/mo
Today · 4.125%
HK$105,098
baseline
▲ 0.50% · 4.625%
HK$111,493
+HK$6,395/mo
Deposit HK$21.69M · loan HK$21.69M · min. income ≈ HK$210,196/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,021
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,972
−HK$2,994/mo
Today · 4.125%
HK$115,966
baseline
▲ 0.50% · 4.625%
HK$122,078
+HK$6,112/mo
Deposit HK$21.69M · loan HK$21.69M · min. income ≈ HK$231,932/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,676
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$122,367
−HK$3,751/mo
Today · 4.125%
HK$126,118
baseline
▲ 0.50% · 4.625%
HK$133,792
+HK$7,674/mo
Deposit HK$17.35M · loan HK$26.02M · min. income ≈ HK$252,236/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,843,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,026
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$135,567
−HK$3,592/mo
Today · 4.125%
HK$139,159
baseline
▲ 0.50% · 4.625%
HK$146,494
+HK$7,335/mo
Deposit HK$17.35M · loan HK$26.02M · min. income ≈ HK$278,318/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,843,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,455
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$142,762
−HK$4,376/mo
Today · 4.125%
HK$147,138
baseline
▲ 0.50% · 4.625%
HK$156,091
+HK$8,953/mo
Deposit HK$13.01M · loan HK$30.36M · min. income ≈ HK$294,276/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,843,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,030
−HK$8,322/mo
▼ 0.25% · 3.875%
HK$158,161
−HK$4,191/mo
Today · 4.125%
HK$162,352
baseline
▲ 0.50% · 4.625%
HK$170,910
+HK$8,558/mo
Deposit HK$13.01M · loan HK$30.36M · min. income ≈ HK$324,704/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,843,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,014
−HK$11,163/mo
▼ 0.25% · 3.875%
HK$183,551
−HK$5,626/mo
Today · 4.125%
HK$189,177
baseline
▲ 0.50% · 4.625%
HK$200,688
+HK$11,511/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$378,354/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,039
−HK$10,699/mo
▼ 0.25% · 3.875%
HK$203,350
−HK$5,388/mo
Today · 4.125%
HK$208,738
baseline
▲ 0.50% · 4.625%
HK$219,741
+HK$11,003/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$417,476/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,260 · Scale 2, in force from 26 Feb 2026)