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$99,195
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,281
−HK$3,135/mo
Today · 4.125%
HK$105,416
baseline
▲ 0.50% · 4.625%
HK$111,830
+HK$6,414/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$210,832/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$1,848,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,354
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,313
−HK$3,003/mo
Today · 4.125%
HK$116,316
baseline
▲ 0.50% · 4.625%
HK$122,447
+HK$6,131/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$232,632/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$1,848,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,034
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,737
−HK$3,762/mo
Today · 4.125%
HK$126,499
baseline
▲ 0.50% · 4.625%
HK$134,196
+HK$7,697/mo
Deposit HK$17.40M · loan HK$26.10M · min. income ≈ HK$252,998/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,848,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,425
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$135,976
−HK$3,603/mo
Today · 4.125%
HK$139,579
baseline
▲ 0.50% · 4.625%
HK$146,936
+HK$7,357/mo
Deposit HK$17.40M · loan HK$26.10M · min. income ≈ HK$279,158/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,848,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,873
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$143,193
−HK$4,389/mo
Today · 4.125%
HK$147,582
baseline
▲ 0.50% · 4.625%
HK$156,562
+HK$8,980/mo
Deposit HK$13.05M · loan HK$30.45M · min. income ≈ HK$295,164/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,848,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,495
−HK$8,347/mo
▼ 0.25% · 3.875%
HK$158,639
−HK$4,203/mo
Today · 4.125%
HK$162,842
baseline
▲ 0.50% · 4.625%
HK$171,426
+HK$8,584/mo
Deposit HK$13.05M · loan HK$30.45M · min. income ≈ HK$325,684/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,848,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,552
−HK$11,196/mo
▼ 0.25% · 3.875%
HK$184,105
−HK$5,643/mo
Today · 4.125%
HK$189,748
baseline
▲ 0.50% · 4.625%
HK$201,294
+HK$11,546/mo
Deposit HK$4.35M · loan HK$39.15M · min. income ≈ HK$379,496/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,848,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,637
−HK$10,732/mo
▼ 0.25% · 3.875%
HK$203,964
−HK$5,405/mo
Today · 4.125%
HK$209,369
baseline
▲ 0.50% · 4.625%
HK$220,405
+HK$11,036/mo
Deposit HK$4.35M · loan HK$39.15M · min. income ≈ HK$418,738/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,848,828 · Scale 2, in force from 26 Feb 2026)