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$99,026
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,106
−HK$3,130/mo
Today · 4.125%
HK$105,236
baseline
▲ 0.50% · 4.625%
HK$111,639
+HK$6,403/mo
Deposit HK$21.71M · loan HK$21.71M · min. income ≈ HK$210,472/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$1,845,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,165
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,120
−HK$2,997/mo
Today · 4.125%
HK$116,117
baseline
▲ 0.50% · 4.625%
HK$122,238
+HK$6,121/mo
Deposit HK$21.71M · loan HK$21.71M · min. income ≈ HK$232,234/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$1,845,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,831
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$122,527
−HK$3,756/mo
Today · 4.125%
HK$126,283
baseline
▲ 0.50% · 4.625%
HK$133,967
+HK$7,684/mo
Deposit HK$17.37M · loan HK$26.06M · min. income ≈ HK$252,566/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,845,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,198
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$135,744
−HK$3,597/mo
Today · 4.125%
HK$139,341
baseline
▲ 0.50% · 4.625%
HK$146,685
+HK$7,344/mo
Deposit HK$17.37M · loan HK$26.06M · min. income ≈ HK$278,682/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,845,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,636
−HK$8,694/mo
▼ 0.25% · 3.875%
HK$142,949
−HK$4,381/mo
Today · 4.125%
HK$147,330
baseline
▲ 0.50% · 4.625%
HK$156,295
+HK$8,965/mo
Deposit HK$13.03M · loan HK$30.40M · min. income ≈ HK$294,660/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,845,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,231
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$158,368
−HK$4,196/mo
Today · 4.125%
HK$162,564
baseline
▲ 0.50% · 4.625%
HK$171,133
+HK$8,569/mo
Deposit HK$13.03M · loan HK$30.40M · min. income ≈ HK$325,128/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,845,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,247
−HK$11,177/mo
▼ 0.25% · 3.875%
HK$183,791
−HK$5,633/mo
Today · 4.125%
HK$189,424
baseline
▲ 0.50% · 4.625%
HK$200,950
+HK$11,526/mo
Deposit HK$4.34M · loan HK$39.08M · min. income ≈ HK$378,848/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,845,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,297
−HK$10,714/mo
▼ 0.25% · 3.875%
HK$203,616
−HK$5,395/mo
Today · 4.125%
HK$209,011
baseline
▲ 0.50% · 4.625%
HK$220,028
+HK$11,017/mo
Deposit HK$4.34M · loan HK$39.08M · min. income ≈ HK$418,022/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,845,670 · Scale 2, in force from 26 Feb 2026)