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$98,919
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,996
−HK$3,126/mo
Today · 4.125%
HK$105,122
baseline
▲ 0.50% · 4.625%
HK$111,518
+HK$6,396/mo
Deposit HK$21.69M · loan HK$21.69M · min. income ≈ HK$210,244/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,046
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$112,998
−HK$2,994/mo
Today · 4.125%
HK$115,992
baseline
▲ 0.50% · 4.625%
HK$122,106
+HK$6,114/mo
Deposit HK$21.69M · loan HK$21.69M · min. income ≈ HK$231,984/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,703
−HK$7,443/mo
▼ 0.25% · 3.875%
HK$122,395
−HK$3,751/mo
Today · 4.125%
HK$126,146
baseline
▲ 0.50% · 4.625%
HK$133,822
+HK$7,676/mo
Deposit HK$17.35M · loan HK$26.03M · min. income ≈ HK$252,292/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,843,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,056
−HK$7,134/mo
▼ 0.25% · 3.875%
HK$135,597
−HK$3,593/mo
Today · 4.125%
HK$139,190
baseline
▲ 0.50% · 4.625%
HK$146,527
+HK$7,337/mo
Deposit HK$17.35M · loan HK$26.03M · min. income ≈ HK$278,380/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,843,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,486
−HK$8,685/mo
▼ 0.25% · 3.875%
HK$142,794
−HK$4,377/mo
Today · 4.125%
HK$147,171
baseline
▲ 0.50% · 4.625%
HK$156,126
+HK$8,955/mo
Deposit HK$13.01M · loan HK$30.37M · min. income ≈ HK$294,342/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,843,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,065
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$158,197
−HK$4,191/mo
Today · 4.125%
HK$162,388
baseline
▲ 0.50% · 4.625%
HK$170,948
+HK$8,560/mo
Deposit HK$13.01M · loan HK$30.37M · min. income ≈ HK$324,776/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,843,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,054
−HK$11,166/mo
▼ 0.25% · 3.875%
HK$183,592
−HK$5,628/mo
Today · 4.125%
HK$189,220
baseline
▲ 0.50% · 4.625%
HK$200,733
+HK$11,513/mo
Deposit HK$4.34M · loan HK$39.04M · min. income ≈ HK$378,440/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,083
−HK$10,702/mo
▼ 0.25% · 3.875%
HK$203,396
−HK$5,389/mo
Today · 4.125%
HK$208,785
baseline
▲ 0.50% · 4.625%
HK$219,790
+HK$11,005/mo
Deposit HK$4.34M · loan HK$39.04M · min. income ≈ HK$417,570/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,676 · Scale 2, in force from 26 Feb 2026)