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$99,351
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,441
−HK$3,140/mo
Today · 4.125%
HK$105,581
baseline
▲ 0.50% · 4.625%
HK$112,005
+HK$6,424/mo
Deposit HK$21.79M · loan HK$21.79M · min. income ≈ HK$211,162/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$1,851,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,527
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$113,491
−HK$3,007/mo
Today · 4.125%
HK$116,498
baseline
▲ 0.50% · 4.625%
HK$122,639
+HK$6,141/mo
Deposit HK$21.79M · loan HK$21.79M · min. income ≈ HK$232,996/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$1,851,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,221
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$122,930
−HK$3,767/mo
Today · 4.125%
HK$126,697
baseline
▲ 0.50% · 4.625%
HK$134,407
+HK$7,710/mo
Deposit HK$17.43M · loan HK$26.14M · min. income ≈ HK$253,394/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,851,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,632
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$136,189
−HK$3,609/mo
Today · 4.125%
HK$139,798
baseline
▲ 0.50% · 4.625%
HK$147,167
+HK$7,369/mo
Deposit HK$17.43M · loan HK$26.14M · min. income ≈ HK$279,596/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,851,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,091
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$143,418
−HK$4,396/mo
Today · 4.125%
HK$147,814
baseline
▲ 0.50% · 4.625%
HK$156,808
+HK$8,994/mo
Deposit HK$13.07M · loan HK$30.50M · min. income ≈ HK$295,628/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,851,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,738
−HK$8,360/mo
▼ 0.25% · 3.875%
HK$158,888
−HK$4,210/mo
Today · 4.125%
HK$163,098
baseline
▲ 0.50% · 4.625%
HK$171,695
+HK$8,597/mo
Deposit HK$13.07M · loan HK$30.50M · min. income ≈ HK$326,196/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,851,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,832
−HK$11,214/mo
▼ 0.25% · 3.875%
HK$184,394
−HK$5,652/mo
Today · 4.125%
HK$190,046
baseline
▲ 0.50% · 4.625%
HK$201,610
+HK$11,564/mo
Deposit HK$4.36M · loan HK$39.21M · min. income ≈ HK$380,092/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,851,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,948
−HK$10,749/mo
▼ 0.25% · 3.875%
HK$204,284
−HK$5,413/mo
Today · 4.125%
HK$209,697
baseline
▲ 0.50% · 4.625%
HK$220,750
+HK$11,053/mo
Deposit HK$4.36M · loan HK$39.21M · min. income ≈ HK$419,394/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,851,728 · Scale 2, in force from 26 Feb 2026)