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$98,886
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,962
−HK$3,125/mo
Today · 4.125%
HK$105,087
baseline
▲ 0.50% · 4.625%
HK$111,481
+HK$6,394/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$210,174/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,009
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,960
−HK$2,993/mo
Today · 4.125%
HK$115,953
baseline
▲ 0.50% · 4.625%
HK$122,065
+HK$6,112/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$231,906/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,663
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,354
−HK$3,750/mo
Today · 4.125%
HK$126,104
baseline
▲ 0.50% · 4.625%
HK$133,777
+HK$7,673/mo
Deposit HK$17.35M · loan HK$26.02M · min. income ≈ HK$252,208/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,843,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,011
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$135,552
−HK$3,591/mo
Today · 4.125%
HK$139,143
baseline
▲ 0.50% · 4.625%
HK$146,478
+HK$7,335/mo
Deposit HK$17.35M · loan HK$26.02M · min. income ≈ HK$278,286/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,843,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,440
−HK$8,681/mo
▼ 0.25% · 3.875%
HK$142,746
−HK$4,375/mo
Today · 4.125%
HK$147,121
baseline
▲ 0.50% · 4.625%
HK$156,073
+HK$8,952/mo
Deposit HK$13.01M · loan HK$30.36M · min. income ≈ HK$294,242/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,843,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,013
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$158,144
−HK$4,190/mo
Today · 4.125%
HK$162,334
baseline
▲ 0.50% · 4.625%
HK$170,891
+HK$8,557/mo
Deposit HK$13.01M · loan HK$30.36M · min. income ≈ HK$324,668/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,843,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,994
−HK$11,162/mo
▼ 0.25% · 3.875%
HK$183,531
−HK$5,625/mo
Today · 4.125%
HK$189,156
baseline
▲ 0.50% · 4.625%
HK$200,666
+HK$11,510/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$378,312/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,017
−HK$10,698/mo
▼ 0.25% · 3.875%
HK$203,328
−HK$5,387/mo
Today · 4.125%
HK$208,715
baseline
▲ 0.50% · 4.625%
HK$219,717
+HK$11,002/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$417,430/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,057 · Scale 2, in force from 26 Feb 2026)