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$99,458
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,552
−HK$3,143/mo
Today · 4.125%
HK$105,695
baseline
▲ 0.50% · 4.625%
HK$112,126
+HK$6,431/mo
Deposit HK$21.81M · loan HK$21.81M · min. income ≈ HK$211,390/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,646
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,613
−HK$3,011/mo
Today · 4.125%
HK$116,624
baseline
▲ 0.50% · 4.625%
HK$122,771
+HK$6,147/mo
Deposit HK$21.81M · loan HK$21.81M · min. income ≈ HK$233,248/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,350
−HK$7,484/mo
▼ 0.25% · 3.875%
HK$123,062
−HK$3,772/mo
Today · 4.125%
HK$126,834
baseline
▲ 0.50% · 4.625%
HK$134,551
+HK$7,717/mo
Deposit HK$17.45M · loan HK$26.17M · min. income ≈ HK$253,668/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,775
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,336
−HK$3,613/mo
Today · 4.125%
HK$139,949
baseline
▲ 0.50% · 4.625%
HK$147,326
+HK$7,377/mo
Deposit HK$17.45M · loan HK$26.17M · min. income ≈ HK$279,898/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,241
−HK$8,732/mo
▼ 0.25% · 3.875%
HK$143,572
−HK$4,401/mo
Today · 4.125%
HK$147,973
baseline
▲ 0.50% · 4.625%
HK$156,977
+HK$9,004/mo
Deposit HK$13.09M · loan HK$30.53M · min. income ≈ HK$295,946/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,853,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,904
−HK$8,369/mo
▼ 0.25% · 3.875%
HK$159,059
−HK$4,214/mo
Today · 4.125%
HK$163,273
baseline
▲ 0.50% · 4.625%
HK$171,880
+HK$8,607/mo
Deposit HK$13.09M · loan HK$30.53M · min. income ≈ HK$326,546/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,853,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,024
−HK$11,227/mo
▼ 0.25% · 3.875%
HK$184,593
−HK$5,658/mo
Today · 4.125%
HK$190,251
baseline
▲ 0.50% · 4.625%
HK$201,827
+HK$11,576/mo
Deposit HK$4.36M · loan HK$39.26M · min. income ≈ HK$380,502/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,853,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,163
−HK$10,760/mo
▼ 0.25% · 3.875%
HK$204,504
−HK$5,419/mo
Today · 4.125%
HK$209,923
baseline
▲ 0.50% · 4.625%
HK$220,988
+HK$11,065/mo
Deposit HK$4.36M · loan HK$39.26M · min. income ≈ HK$419,846/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,853,724 · Scale 2, in force from 26 Feb 2026)