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$99,404
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,496
−HK$3,142/mo
Today · 4.125%
HK$105,638
baseline
▲ 0.50% · 4.625%
HK$112,066
+HK$6,428/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$211,276/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,852,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,586
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,552
−HK$3,009/mo
Today · 4.125%
HK$116,561
baseline
▲ 0.50% · 4.625%
HK$122,705
+HK$6,144/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$233,122/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,852,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,285
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$122,996
−HK$3,770/mo
Today · 4.125%
HK$126,766
baseline
▲ 0.50% · 4.625%
HK$134,479
+HK$7,713/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$253,532/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,704
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,263
−HK$3,610/mo
Today · 4.125%
HK$139,873
baseline
▲ 0.50% · 4.625%
HK$147,246
+HK$7,373/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$279,746/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,166
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$143,495
−HK$4,398/mo
Today · 4.125%
HK$147,893
baseline
▲ 0.50% · 4.625%
HK$156,892
+HK$8,999/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$295,786/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,821
−HK$8,365/mo
▼ 0.25% · 3.875%
HK$158,973
−HK$4,213/mo
Today · 4.125%
HK$163,186
baseline
▲ 0.50% · 4.625%
HK$171,787
+HK$8,601/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$326,372/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,928
−HK$11,220/mo
▼ 0.25% · 3.875%
HK$184,494
−HK$5,654/mo
Today · 4.125%
HK$190,148
baseline
▲ 0.50% · 4.625%
HK$201,718
+HK$11,570/mo
Deposit HK$4.36M · loan HK$39.23M · min. income ≈ HK$380,296/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,056
−HK$10,754/mo
▼ 0.25% · 3.875%
HK$204,394
−HK$5,416/mo
Today · 4.125%
HK$209,810
baseline
▲ 0.50% · 4.625%
HK$220,869
+HK$11,059/mo
Deposit HK$4.36M · loan HK$39.23M · min. income ≈ HK$419,620/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,726 · Scale 2, in force from 26 Feb 2026)