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$99,131
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,214
−HK$3,133/mo
Today · 4.125%
HK$105,347
baseline
▲ 0.50% · 4.625%
HK$111,757
+HK$6,410/mo
Deposit HK$21.74M · loan HK$21.74M · min. income ≈ HK$210,694/mo (50% DSR)
Upfront cash ≈ HK$23.58M (deposit + AVD stamp duty HK$1,847,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,282
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$113,240
−HK$3,000/mo
Today · 4.125%
HK$116,240
baseline
▲ 0.50% · 4.625%
HK$122,367
+HK$6,127/mo
Deposit HK$21.74M · loan HK$21.74M · min. income ≈ HK$232,480/mo (50% DSR)
Upfront cash ≈ HK$23.58M (deposit + AVD stamp duty HK$1,847,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,957
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$122,657
−HK$3,760/mo
Today · 4.125%
HK$126,417
baseline
▲ 0.50% · 4.625%
HK$134,109
+HK$7,692/mo
Deposit HK$17.39M · loan HK$26.08M · min. income ≈ HK$252,834/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,847,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,339
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$135,888
−HK$3,600/mo
Today · 4.125%
HK$139,488
baseline
▲ 0.50% · 4.625%
HK$146,841
+HK$7,353/mo
Deposit HK$17.39M · loan HK$26.08M · min. income ≈ HK$278,976/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,847,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,783
−HK$8,703/mo
▼ 0.25% · 3.875%
HK$143,100
−HK$4,386/mo
Today · 4.125%
HK$147,486
baseline
▲ 0.50% · 4.625%
HK$156,460
+HK$8,974/mo
Deposit HK$13.04M · loan HK$30.43M · min. income ≈ HK$294,972/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,847,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,395
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$158,536
−HK$4,200/mo
Today · 4.125%
HK$162,736
baseline
▲ 0.50% · 4.625%
HK$171,314
+HK$8,578/mo
Deposit HK$13.04M · loan HK$30.43M · min. income ≈ HK$325,472/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,847,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,436
−HK$11,189/mo
▼ 0.25% · 3.875%
HK$183,986
−HK$5,639/mo
Today · 4.125%
HK$189,625
baseline
▲ 0.50% · 4.625%
HK$201,163
+HK$11,538/mo
Deposit HK$4.35M · loan HK$39.13M · min. income ≈ HK$379,250/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,847,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,508
−HK$10,725/mo
▼ 0.25% · 3.875%
HK$203,832
−HK$5,401/mo
Today · 4.125%
HK$209,233
baseline
▲ 0.50% · 4.625%
HK$220,261
+HK$11,028/mo
Deposit HK$4.35M · loan HK$39.13M · min. income ≈ HK$418,466/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,847,627 · Scale 2, in force from 26 Feb 2026)