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$99,042
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,122
−HK$3,130/mo
Today · 4.125%
HK$105,252
baseline
▲ 0.50% · 4.625%
HK$111,657
+HK$6,405/mo
Deposit HK$21.72M · loan HK$21.72M · min. income ≈ HK$210,504/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$1,845,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,183
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,138
−HK$2,998/mo
Today · 4.125%
HK$116,136
baseline
▲ 0.50% · 4.625%
HK$122,257
+HK$6,121/mo
Deposit HK$21.72M · loan HK$21.72M · min. income ≈ HK$232,272/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$1,845,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,850
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$122,547
−HK$3,756/mo
Today · 4.125%
HK$126,303
baseline
▲ 0.50% · 4.625%
HK$133,988
+HK$7,685/mo
Deposit HK$17.37M · loan HK$26.06M · min. income ≈ HK$252,606/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,845,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,219
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$135,765
−HK$3,598/mo
Today · 4.125%
HK$139,363
baseline
▲ 0.50% · 4.625%
HK$146,709
+HK$7,346/mo
Deposit HK$17.37M · loan HK$26.06M · min. income ≈ HK$278,726/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,845,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,658
−HK$8,695/mo
▼ 0.25% · 3.875%
HK$142,971
−HK$4,382/mo
Today · 4.125%
HK$147,353
baseline
▲ 0.50% · 4.625%
HK$156,319
+HK$8,966/mo
Deposit HK$13.03M · loan HK$30.40M · min. income ≈ HK$294,706/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,845,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,256
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$158,393
−HK$4,197/mo
Today · 4.125%
HK$162,590
baseline
▲ 0.50% · 4.625%
HK$171,160
+HK$8,570/mo
Deposit HK$13.03M · loan HK$30.40M · min. income ≈ HK$325,180/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,845,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,275
−HK$11,179/mo
▼ 0.25% · 3.875%
HK$183,820
−HK$5,634/mo
Today · 4.125%
HK$189,454
baseline
▲ 0.50% · 4.625%
HK$200,982
+HK$11,528/mo
Deposit HK$4.34M · loan HK$39.09M · min. income ≈ HK$378,908/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,845,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,329
−HK$10,715/mo
▼ 0.25% · 3.875%
HK$203,648
−HK$5,396/mo
Today · 4.125%
HK$209,044
baseline
▲ 0.50% · 4.625%
HK$220,063
+HK$11,019/mo
Deposit HK$4.34M · loan HK$39.09M · min. income ≈ HK$418,088/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,845,963 · Scale 2, in force from 26 Feb 2026)