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$97,745
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,786
−HK$3,089/mo
Today · 4.125%
HK$103,875
baseline
▲ 0.50% · 4.625%
HK$110,195
+HK$6,320/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$207,750/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$1,821,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,741
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,657
−HK$2,958/mo
Today · 4.125%
HK$114,615
baseline
▲ 0.50% · 4.625%
HK$120,657
+HK$6,042/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$229,230/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$1,821,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,294
−HK$7,356/mo
▼ 0.25% · 3.875%
HK$120,943
−HK$3,707/mo
Today · 4.125%
HK$124,650
baseline
▲ 0.50% · 4.625%
HK$132,234
+HK$7,584/mo
Deposit HK$17.15M · loan HK$25.72M · min. income ≈ HK$249,300/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,821,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,489
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$133,988
−HK$3,551/mo
Today · 4.125%
HK$137,539
baseline
▲ 0.50% · 4.625%
HK$144,788
+HK$7,249/mo
Deposit HK$17.15M · loan HK$25.72M · min. income ≈ HK$275,078/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,821,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,843
−HK$8,582/mo
▼ 0.25% · 3.875%
HK$141,100
−HK$4,325/mo
Today · 4.125%
HK$145,425
baseline
▲ 0.50% · 4.625%
HK$154,273
+HK$8,848/mo
Deposit HK$12.86M · loan HK$30.01M · min. income ≈ HK$290,850/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,237
−HK$8,225/mo
▼ 0.25% · 3.875%
HK$156,320
−HK$4,142/mo
Today · 4.125%
HK$160,462
baseline
▲ 0.50% · 4.625%
HK$168,920
+HK$8,458/mo
Deposit HK$12.86M · loan HK$30.01M · min. income ≈ HK$320,924/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,941
−HK$11,033/mo
▼ 0.25% · 3.875%
HK$181,414
−HK$5,560/mo
Today · 4.125%
HK$186,974
baseline
▲ 0.50% · 4.625%
HK$198,351
+HK$11,377/mo
Deposit HK$4.29M · loan HK$38.58M · min. income ≈ HK$373,948/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,733
−HK$10,575/mo
▼ 0.25% · 3.875%
HK$200,982
−HK$5,326/mo
Today · 4.125%
HK$206,308
baseline
▲ 0.50% · 4.625%
HK$217,183
+HK$10,875/mo
Deposit HK$4.29M · loan HK$38.58M · min. income ≈ HK$412,616/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,800 · Scale 2, in force from 26 Feb 2026)