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$99,134
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$102,218
−HK$3,133/mo
Today · 4.125%
HK$105,351
baseline
▲ 0.50% · 4.625%
HK$111,761
+HK$6,410/mo
Deposit HK$21.74M · loan HK$21.74M · min. income ≈ HK$210,702/mo (50% DSR)
Upfront cash ≈ HK$23.59M (deposit + AVD stamp duty HK$1,847,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,286
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$113,244
−HK$3,000/mo
Today · 4.125%
HK$116,244
baseline
▲ 0.50% · 4.625%
HK$122,372
+HK$6,128/mo
Deposit HK$21.74M · loan HK$21.74M · min. income ≈ HK$232,488/mo (50% DSR)
Upfront cash ≈ HK$23.59M (deposit + AVD stamp duty HK$1,847,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,961
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$122,661
−HK$3,760/mo
Today · 4.125%
HK$126,421
baseline
▲ 0.50% · 4.625%
HK$134,113
+HK$7,692/mo
Deposit HK$17.39M · loan HK$26.09M · min. income ≈ HK$252,842/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,847,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,343
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$135,892
−HK$3,601/mo
Today · 4.125%
HK$139,493
baseline
▲ 0.50% · 4.625%
HK$146,846
+HK$7,353/mo
Deposit HK$17.39M · loan HK$26.09M · min. income ≈ HK$278,986/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,847,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,788
−HK$8,703/mo
▼ 0.25% · 3.875%
HK$143,105
−HK$4,386/mo
Today · 4.125%
HK$147,491
baseline
▲ 0.50% · 4.625%
HK$156,466
+HK$8,975/mo
Deposit HK$13.04M · loan HK$30.43M · min. income ≈ HK$294,982/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,847,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,400
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$158,541
−HK$4,201/mo
Today · 4.125%
HK$162,742
baseline
▲ 0.50% · 4.625%
HK$171,320
+HK$8,578/mo
Deposit HK$13.04M · loan HK$30.43M · min. income ≈ HK$325,484/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,847,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,442
−HK$11,189/mo
▼ 0.25% · 3.875%
HK$183,992
−HK$5,639/mo
Today · 4.125%
HK$189,631
baseline
▲ 0.50% · 4.625%
HK$201,170
+HK$11,539/mo
Deposit HK$4.35M · loan HK$39.13M · min. income ≈ HK$379,262/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,847,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,514
−HK$10,726/mo
▼ 0.25% · 3.875%
HK$203,838
−HK$5,402/mo
Today · 4.125%
HK$209,240
baseline
▲ 0.50% · 4.625%
HK$220,269
+HK$11,029/mo
Deposit HK$4.35M · loan HK$39.13M · min. income ≈ HK$418,480/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,847,689 · Scale 2, in force from 26 Feb 2026)