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$96,562
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,566
−HK$3,051/mo
Today · 4.125%
HK$102,617
baseline
▲ 0.50% · 4.625%
HK$108,861
+HK$6,244/mo
Deposit HK$21.17M · loan HK$21.17M · min. income ≈ HK$205,234/mo (50% DSR)
Upfront cash ≈ HK$22.97M (deposit + AVD stamp duty HK$1,799,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,424
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,306
−HK$2,922/mo
Today · 4.125%
HK$113,228
baseline
▲ 0.50% · 4.625%
HK$119,197
+HK$5,969/mo
Deposit HK$21.17M · loan HK$21.17M · min. income ≈ HK$226,456/mo (50% DSR)
Upfront cash ≈ HK$22.97M (deposit + AVD stamp duty HK$1,799,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,875
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$119,479
−HK$3,662/mo
Today · 4.125%
HK$123,141
baseline
▲ 0.50% · 4.625%
HK$130,634
+HK$7,493/mo
Deposit HK$16.94M · loan HK$25.41M · min. income ≈ HK$246,282/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,799,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,909
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$132,367
−HK$3,507/mo
Today · 4.125%
HK$135,874
baseline
▲ 0.50% · 4.625%
HK$143,036
+HK$7,162/mo
Deposit HK$16.94M · loan HK$25.41M · min. income ≈ HK$271,748/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,799,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,187
−HK$8,477/mo
▼ 0.25% · 3.875%
HK$139,392
−HK$4,272/mo
Today · 4.125%
HK$143,664
baseline
▲ 0.50% · 4.625%
HK$152,406
+HK$8,742/mo
Deposit HK$12.70M · loan HK$29.64M · min. income ≈ HK$287,328/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,799,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,394
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$154,428
−HK$4,092/mo
Today · 4.125%
HK$158,520
baseline
▲ 0.50% · 4.625%
HK$166,875
+HK$8,355/mo
Deposit HK$12.70M · loan HK$29.64M · min. income ≈ HK$317,040/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,799,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,812
−HK$10,899/mo
▼ 0.25% · 3.875%
HK$179,218
−HK$5,493/mo
Today · 4.125%
HK$184,711
baseline
▲ 0.50% · 4.625%
HK$195,951
+HK$11,240/mo
Deposit HK$4.23M · loan HK$38.11M · min. income ≈ HK$369,422/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,799,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,364
−HK$10,447/mo
▼ 0.25% · 3.875%
HK$198,550
−HK$5,261/mo
Today · 4.125%
HK$203,811
baseline
▲ 0.50% · 4.625%
HK$214,554
+HK$10,743/mo
Deposit HK$4.23M · loan HK$38.11M · min. income ≈ HK$407,622/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,799,751 · Scale 2, in force from 26 Feb 2026)