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$99,316
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,405
−HK$3,139/mo
Today · 4.125%
HK$105,544
baseline
▲ 0.50% · 4.625%
HK$111,966
+HK$6,422/mo
Deposit HK$21.78M · loan HK$21.78M · min. income ≈ HK$211,088/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$1,851,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,488
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$113,451
−HK$3,006/mo
Today · 4.125%
HK$116,457
baseline
▲ 0.50% · 4.625%
HK$122,596
+HK$6,139/mo
Deposit HK$21.78M · loan HK$21.78M · min. income ≈ HK$232,914/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$1,851,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,179
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$122,886
−HK$3,767/mo
Today · 4.125%
HK$126,653
baseline
▲ 0.50% · 4.625%
HK$134,359
+HK$7,706/mo
Deposit HK$17.42M · loan HK$26.13M · min. income ≈ HK$253,306/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,851,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,586
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$136,142
−HK$3,607/mo
Today · 4.125%
HK$139,749
baseline
▲ 0.50% · 4.625%
HK$147,115
+HK$7,366/mo
Deposit HK$17.42M · loan HK$26.13M · min. income ≈ HK$279,498/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,851,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,042
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$143,367
−HK$4,395/mo
Today · 4.125%
HK$147,762
baseline
▲ 0.50% · 4.625%
HK$156,753
+HK$8,991/mo
Deposit HK$13.07M · loan HK$30.49M · min. income ≈ HK$295,524/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,851,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,683
−HK$8,357/mo
▼ 0.25% · 3.875%
HK$158,832
−HK$4,208/mo
Today · 4.125%
HK$163,040
baseline
▲ 0.50% · 4.625%
HK$171,634
+HK$8,594/mo
Deposit HK$13.07M · loan HK$30.49M · min. income ≈ HK$326,080/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,851,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,769
−HK$11,210/mo
▼ 0.25% · 3.875%
HK$184,330
−HK$5,649/mo
Today · 4.125%
HK$189,979
baseline
▲ 0.50% · 4.625%
HK$201,539
+HK$11,560/mo
Deposit HK$4.36M · loan HK$39.20M · min. income ≈ HK$379,958/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,851,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,878
−HK$10,745/mo
▼ 0.25% · 3.875%
HK$204,212
−HK$5,411/mo
Today · 4.125%
HK$209,623
baseline
▲ 0.50% · 4.625%
HK$220,673
+HK$11,050/mo
Deposit HK$4.36M · loan HK$39.20M · min. income ≈ HK$419,246/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,851,077 · Scale 2, in force from 26 Feb 2026)