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$99,670
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,770
−HK$3,150/mo
Today · 4.125%
HK$105,920
baseline
▲ 0.50% · 4.625%
HK$112,365
+HK$6,445/mo
Deposit HK$21.85M · loan HK$21.85M · min. income ≈ HK$211,840/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$1,857,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,882
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,856
−HK$3,016/mo
Today · 4.125%
HK$116,872
baseline
▲ 0.50% · 4.625%
HK$123,033
+HK$6,161/mo
Deposit HK$21.85M · loan HK$21.85M · min. income ≈ HK$233,744/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$1,857,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,604
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$123,324
−HK$3,780/mo
Today · 4.125%
HK$127,104
baseline
▲ 0.50% · 4.625%
HK$134,838
+HK$7,734/mo
Deposit HK$17.48M · loan HK$26.23M · min. income ≈ HK$254,208/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,058
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$136,627
−HK$3,620/mo
Today · 4.125%
HK$140,247
baseline
▲ 0.50% · 4.625%
HK$147,640
+HK$7,393/mo
Deposit HK$17.48M · loan HK$26.23M · min. income ≈ HK$280,494/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,538
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$143,878
−HK$4,410/mo
Today · 4.125%
HK$148,288
baseline
▲ 0.50% · 4.625%
HK$157,311
+HK$9,023/mo
Deposit HK$13.11M · loan HK$30.60M · min. income ≈ HK$296,576/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,235
−HK$8,386/mo
▼ 0.25% · 3.875%
HK$159,398
−HK$4,223/mo
Today · 4.125%
HK$163,621
baseline
▲ 0.50% · 4.625%
HK$172,246
+HK$8,625/mo
Deposit HK$13.11M · loan HK$30.60M · min. income ≈ HK$327,242/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,406
−HK$11,250/mo
▼ 0.25% · 3.875%
HK$184,986
−HK$5,670/mo
Today · 4.125%
HK$190,656
baseline
▲ 0.50% · 4.625%
HK$202,257
+HK$11,601/mo
Deposit HK$4.37M · loan HK$39.34M · min. income ≈ HK$381,312/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,587
−HK$10,783/mo
▼ 0.25% · 3.875%
HK$204,940
−HK$5,430/mo
Today · 4.125%
HK$210,370
baseline
▲ 0.50% · 4.625%
HK$221,459
+HK$11,089/mo
Deposit HK$4.37M · loan HK$39.34M · min. income ≈ HK$420,740/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,674 · Scale 2, in force from 26 Feb 2026)