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$96,508
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,510
−HK$3,050/mo
Today · 4.125%
HK$102,560
baseline
▲ 0.50% · 4.625%
HK$108,801
+HK$6,241/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$205,120/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,364
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,244
−HK$2,921/mo
Today · 4.125%
HK$113,165
baseline
▲ 0.50% · 4.625%
HK$119,130
+HK$5,965/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$226,330/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,810
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$119,412
−HK$3,660/mo
Today · 4.125%
HK$123,072
baseline
▲ 0.50% · 4.625%
HK$130,561
+HK$7,489/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$246,144/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,798,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,837
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$132,293
−HK$3,505/mo
Today · 4.125%
HK$135,798
baseline
▲ 0.50% · 4.625%
HK$142,956
+HK$7,158/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$271,596/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,798,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,111
−HK$8,473/mo
▼ 0.25% · 3.875%
HK$139,314
−HK$4,270/mo
Today · 4.125%
HK$143,584
baseline
▲ 0.50% · 4.625%
HK$152,321
+HK$8,737/mo
Deposit HK$12.70M · loan HK$29.63M · min. income ≈ HK$287,168/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,798,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,310
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$154,341
−HK$4,090/mo
Today · 4.125%
HK$158,431
baseline
▲ 0.50% · 4.625%
HK$166,782
+HK$8,351/mo
Deposit HK$12.70M · loan HK$29.63M · min. income ≈ HK$316,862/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,798,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,715
−HK$10,893/mo
▼ 0.25% · 3.875%
HK$179,118
−HK$5,490/mo
Today · 4.125%
HK$184,608
baseline
▲ 0.50% · 4.625%
HK$195,841
+HK$11,233/mo
Deposit HK$4.23M · loan HK$38.09M · min. income ≈ HK$369,216/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,256
−HK$10,441/mo
▼ 0.25% · 3.875%
HK$198,439
−HK$5,258/mo
Today · 4.125%
HK$203,697
baseline
▲ 0.50% · 4.625%
HK$214,434
+HK$10,737/mo
Deposit HK$4.23M · loan HK$38.09M · min. income ≈ HK$407,394/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,744 · Scale 2, in force from 26 Feb 2026)