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$99,441
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$102,534
−HK$3,143/mo
Today · 4.125%
HK$105,677
baseline
▲ 0.50% · 4.625%
HK$112,107
+HK$6,430/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$211,354/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,627
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,594
−HK$3,010/mo
Today · 4.125%
HK$116,604
baseline
▲ 0.50% · 4.625%
HK$122,751
+HK$6,147/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$233,208/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,330
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$123,041
−HK$3,772/mo
Today · 4.125%
HK$126,813
baseline
▲ 0.50% · 4.625%
HK$134,529
+HK$7,716/mo
Deposit HK$17.44M · loan HK$26.17M · min. income ≈ HK$253,626/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,753
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$136,313
−HK$3,612/mo
Today · 4.125%
HK$139,925
baseline
▲ 0.50% · 4.625%
HK$147,301
+HK$7,376/mo
Deposit HK$17.44M · loan HK$26.17M · min. income ≈ HK$279,850/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,218
−HK$8,730/mo
▼ 0.25% · 3.875%
HK$143,548
−HK$4,400/mo
Today · 4.125%
HK$147,948
baseline
▲ 0.50% · 4.625%
HK$156,950
+HK$9,002/mo
Deposit HK$13.08M · loan HK$30.53M · min. income ≈ HK$295,896/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,853,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,878
−HK$8,368/mo
▼ 0.25% · 3.875%
HK$159,032
−HK$4,214/mo
Today · 4.125%
HK$163,246
baseline
▲ 0.50% · 4.625%
HK$171,851
+HK$8,605/mo
Deposit HK$13.08M · loan HK$30.53M · min. income ≈ HK$326,492/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,853,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,994
−HK$11,225/mo
▼ 0.25% · 3.875%
HK$184,562
−HK$5,657/mo
Today · 4.125%
HK$190,219
baseline
▲ 0.50% · 4.625%
HK$201,793
+HK$11,574/mo
Deposit HK$4.36M · loan HK$39.25M · min. income ≈ HK$380,438/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,853,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,129
−HK$10,759/mo
▼ 0.25% · 3.875%
HK$204,470
−HK$5,418/mo
Today · 4.125%
HK$209,888
baseline
▲ 0.50% · 4.625%
HK$220,951
+HK$11,063/mo
Deposit HK$4.36M · loan HK$39.25M · min. income ≈ HK$419,776/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,853,412 · Scale 2, in force from 26 Feb 2026)