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$99,677
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,777
−HK$3,150/mo
Today · 4.125%
HK$105,927
baseline
▲ 0.50% · 4.625%
HK$112,373
+HK$6,446/mo
Deposit HK$21.86M · loan HK$21.86M · min. income ≈ HK$211,854/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$1,857,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,889
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,863
−HK$3,017/mo
Today · 4.125%
HK$116,880
baseline
▲ 0.50% · 4.625%
HK$123,041
+HK$6,161/mo
Deposit HK$21.86M · loan HK$21.86M · min. income ≈ HK$233,760/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$1,857,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,612
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$123,333
−HK$3,780/mo
Today · 4.125%
HK$127,113
baseline
▲ 0.50% · 4.625%
HK$134,847
+HK$7,734/mo
Deposit HK$17.49M · loan HK$26.23M · min. income ≈ HK$254,226/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,067
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$136,636
−HK$3,620/mo
Today · 4.125%
HK$140,256
baseline
▲ 0.50% · 4.625%
HK$147,650
+HK$7,394/mo
Deposit HK$17.49M · loan HK$26.23M · min. income ≈ HK$280,512/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,547
−HK$8,751/mo
▼ 0.25% · 3.875%
HK$143,888
−HK$4,410/mo
Today · 4.125%
HK$148,298
baseline
▲ 0.50% · 4.625%
HK$157,322
+HK$9,024/mo
Deposit HK$13.11M · loan HK$30.60M · min. income ≈ HK$296,596/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,245
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$159,409
−HK$4,223/mo
Today · 4.125%
HK$163,632
baseline
▲ 0.50% · 4.625%
HK$172,258
+HK$8,626/mo
Deposit HK$13.11M · loan HK$30.60M · min. income ≈ HK$327,264/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,418
−HK$11,251/mo
▼ 0.25% · 3.875%
HK$184,999
−HK$5,670/mo
Today · 4.125%
HK$190,669
baseline
▲ 0.50% · 4.625%
HK$202,271
+HK$11,602/mo
Deposit HK$4.37M · loan HK$39.34M · min. income ≈ HK$381,338/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,601
−HK$10,784/mo
▼ 0.25% · 3.875%
HK$204,954
−HK$5,431/mo
Today · 4.125%
HK$210,385
baseline
▲ 0.50% · 4.625%
HK$221,474
+HK$11,089/mo
Deposit HK$4.37M · loan HK$39.34M · min. income ≈ HK$420,770/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,800 · Scale 2, in force from 26 Feb 2026)