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$99,433
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,526
−HK$3,142/mo
Today · 4.125%
HK$105,668
baseline
▲ 0.50% · 4.625%
HK$112,098
+HK$6,430/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$211,336/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,618
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,585
−HK$3,010/mo
Today · 4.125%
HK$116,595
baseline
▲ 0.50% · 4.625%
HK$122,740
+HK$6,145/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$233,190/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,320
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$123,031
−HK$3,771/mo
Today · 4.125%
HK$126,802
baseline
▲ 0.50% · 4.625%
HK$134,518
+HK$7,716/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$253,604/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,742
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$136,302
−HK$3,611/mo
Today · 4.125%
HK$139,913
baseline
▲ 0.50% · 4.625%
HK$147,289
+HK$7,376/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$279,826/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,206
−HK$8,730/mo
▼ 0.25% · 3.875%
HK$143,536
−HK$4,400/mo
Today · 4.125%
HK$147,936
baseline
▲ 0.50% · 4.625%
HK$156,937
+HK$9,001/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$295,872/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,853,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,865
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$159,019
−HK$4,213/mo
Today · 4.125%
HK$163,232
baseline
▲ 0.50% · 4.625%
HK$171,837
+HK$8,605/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$326,464/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,853,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,979
−HK$11,224/mo
▼ 0.25% · 3.875%
HK$184,547
−HK$5,656/mo
Today · 4.125%
HK$190,203
baseline
▲ 0.50% · 4.625%
HK$201,776
+HK$11,573/mo
Deposit HK$4.36M · loan HK$39.25M · min. income ≈ HK$380,406/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,853,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,113
−HK$10,757/mo
▼ 0.25% · 3.875%
HK$204,453
−HK$5,417/mo
Today · 4.125%
HK$209,870
baseline
▲ 0.50% · 4.625%
HK$220,933
+HK$11,063/mo
Deposit HK$4.36M · loan HK$39.25M · min. income ≈ HK$419,740/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,853,258 · Scale 2, in force from 26 Feb 2026)