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$99,022
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,102
−HK$3,129/mo
Today · 4.125%
HK$105,231
baseline
▲ 0.50% · 4.625%
HK$111,635
+HK$6,404/mo
Deposit HK$21.71M · loan HK$21.71M · min. income ≈ HK$210,462/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$1,845,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,161
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,115
−HK$2,997/mo
Today · 4.125%
HK$116,112
baseline
▲ 0.50% · 4.625%
HK$122,233
+HK$6,121/mo
Deposit HK$21.71M · loan HK$21.71M · min. income ≈ HK$232,224/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$1,845,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,826
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$122,522
−HK$3,756/mo
Today · 4.125%
HK$126,278
baseline
▲ 0.50% · 4.625%
HK$133,961
+HK$7,683/mo
Deposit HK$17.37M · loan HK$26.06M · min. income ≈ HK$252,556/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,845,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,193
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$135,738
−HK$3,597/mo
Today · 4.125%
HK$139,335
baseline
▲ 0.50% · 4.625%
HK$146,680
+HK$7,345/mo
Deposit HK$17.37M · loan HK$26.06M · min. income ≈ HK$278,670/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,845,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,631
−HK$8,693/mo
▼ 0.25% · 3.875%
HK$142,943
−HK$4,381/mo
Today · 4.125%
HK$147,324
baseline
▲ 0.50% · 4.625%
HK$156,288
+HK$8,964/mo
Deposit HK$13.03M · loan HK$30.40M · min. income ≈ HK$294,648/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,845,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,225
−HK$8,332/mo
▼ 0.25% · 3.875%
HK$158,361
−HK$4,196/mo
Today · 4.125%
HK$162,557
baseline
▲ 0.50% · 4.625%
HK$171,126
+HK$8,569/mo
Deposit HK$13.03M · loan HK$30.40M · min. income ≈ HK$325,114/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,845,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,239
−HK$11,178/mo
▼ 0.25% · 3.875%
HK$183,784
−HK$5,633/mo
Today · 4.125%
HK$189,417
baseline
▲ 0.50% · 4.625%
HK$200,942
+HK$11,525/mo
Deposit HK$4.34M · loan HK$39.08M · min. income ≈ HK$378,834/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,845,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,290
−HK$10,712/mo
▼ 0.25% · 3.875%
HK$203,608
−HK$5,394/mo
Today · 4.125%
HK$209,002
baseline
▲ 0.50% · 4.625%
HK$220,019
+HK$11,017/mo
Deposit HK$4.34M · loan HK$39.08M · min. income ≈ HK$418,004/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,845,595 · Scale 2, in force from 26 Feb 2026)