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$98,890
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,966
−HK$3,125/mo
Today · 4.125%
HK$105,091
baseline
▲ 0.50% · 4.625%
HK$111,485
+HK$6,394/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$210,182/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,014
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,964
−HK$2,993/mo
Today · 4.125%
HK$115,957
baseline
▲ 0.50% · 4.625%
HK$122,070
+HK$6,113/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$231,914/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,667
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$122,359
−HK$3,750/mo
Today · 4.125%
HK$126,109
baseline
▲ 0.50% · 4.625%
HK$133,782
+HK$7,673/mo
Deposit HK$17.35M · loan HK$26.02M · min. income ≈ HK$252,218/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,843,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,016
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$135,557
−HK$3,592/mo
Today · 4.125%
HK$139,149
baseline
▲ 0.50% · 4.625%
HK$146,484
+HK$7,335/mo
Deposit HK$17.35M · loan HK$26.02M · min. income ≈ HK$278,298/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,843,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,445
−HK$8,682/mo
▼ 0.25% · 3.875%
HK$142,752
−HK$4,375/mo
Today · 4.125%
HK$147,127
baseline
▲ 0.50% · 4.625%
HK$156,079
+HK$8,952/mo
Deposit HK$13.01M · loan HK$30.36M · min. income ≈ HK$294,254/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,843,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,019
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$158,150
−HK$4,190/mo
Today · 4.125%
HK$162,340
baseline
▲ 0.50% · 4.625%
HK$170,897
+HK$8,557/mo
Deposit HK$13.01M · loan HK$30.36M · min. income ≈ HK$324,680/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,843,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,001
−HK$11,162/mo
▼ 0.25% · 3.875%
HK$183,538
−HK$5,625/mo
Today · 4.125%
HK$189,163
baseline
▲ 0.50% · 4.625%
HK$200,674
+HK$11,511/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$378,326/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,025
−HK$10,698/mo
▼ 0.25% · 3.875%
HK$203,336
−HK$5,387/mo
Today · 4.125%
HK$208,723
baseline
▲ 0.50% · 4.625%
HK$219,725
+HK$11,002/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$417,446/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,130 · Scale 2, in force from 26 Feb 2026)