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$99,547
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,643
−HK$3,146/mo
Today · 4.125%
HK$105,789
baseline
▲ 0.50% · 4.625%
HK$112,226
+HK$6,437/mo
Deposit HK$21.83M · loan HK$21.83M · min. income ≈ HK$211,578/mo (50% DSR)
Upfront cash ≈ HK$23.68M (deposit + AVD stamp duty HK$1,855,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,745
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,715
−HK$3,013/mo
Today · 4.125%
HK$116,728
baseline
▲ 0.50% · 4.625%
HK$122,881
+HK$6,153/mo
Deposit HK$21.83M · loan HK$21.83M · min. income ≈ HK$233,456/mo (50% DSR)
Upfront cash ≈ HK$23.68M (deposit + AVD stamp duty HK$1,855,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,456
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$123,172
−HK$3,775/mo
Today · 4.125%
HK$126,947
baseline
▲ 0.50% · 4.625%
HK$134,671
+HK$7,724/mo
Deposit HK$17.46M · loan HK$26.19M · min. income ≈ HK$253,894/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,855,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,893
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$136,458
−HK$3,615/mo
Today · 4.125%
HK$140,073
baseline
▲ 0.50% · 4.625%
HK$147,457
+HK$7,384/mo
Deposit HK$17.46M · loan HK$26.19M · min. income ≈ HK$280,146/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,855,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,365
−HK$8,740/mo
▼ 0.25% · 3.875%
HK$143,700
−HK$4,405/mo
Today · 4.125%
HK$148,105
baseline
▲ 0.50% · 4.625%
HK$157,116
+HK$9,011/mo
Deposit HK$13.10M · loan HK$30.56M · min. income ≈ HK$296,210/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,855,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,042
−HK$8,377/mo
▼ 0.25% · 3.875%
HK$159,200
−HK$4,219/mo
Today · 4.125%
HK$163,419
baseline
▲ 0.50% · 4.625%
HK$172,033
+HK$8,614/mo
Deposit HK$13.10M · loan HK$30.56M · min. income ≈ HK$326,838/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,855,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,184
−HK$11,236/mo
▼ 0.25% · 3.875%
HK$184,757
−HK$5,663/mo
Today · 4.125%
HK$190,420
baseline
▲ 0.50% · 4.625%
HK$202,007
+HK$11,587/mo
Deposit HK$4.37M · loan HK$39.29M · min. income ≈ HK$380,840/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,855,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,340
−HK$10,770/mo
▼ 0.25% · 3.875%
HK$204,686
−HK$5,424/mo
Today · 4.125%
HK$210,110
baseline
▲ 0.50% · 4.625%
HK$221,185
+HK$11,075/mo
Deposit HK$4.37M · loan HK$39.29M · min. income ≈ HK$420,220/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,855,374 · Scale 2, in force from 26 Feb 2026)