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$99,180
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,265
−HK$3,135/mo
Today · 4.125%
HK$105,400
baseline
▲ 0.50% · 4.625%
HK$111,813
+HK$6,413/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$210,800/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$1,848,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,337
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,296
−HK$3,002/mo
Today · 4.125%
HK$116,298
baseline
▲ 0.50% · 4.625%
HK$122,429
+HK$6,131/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$232,596/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$1,848,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,016
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$122,718
−HK$3,762/mo
Today · 4.125%
HK$126,480
baseline
▲ 0.50% · 4.625%
HK$134,176
+HK$7,696/mo
Deposit HK$17.40M · loan HK$26.10M · min. income ≈ HK$252,960/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,848,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,405
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$135,956
−HK$3,602/mo
Today · 4.125%
HK$139,558
baseline
▲ 0.50% · 4.625%
HK$146,914
+HK$7,356/mo
Deposit HK$17.40M · loan HK$26.10M · min. income ≈ HK$279,116/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,848,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,852
−HK$8,708/mo
▼ 0.25% · 3.875%
HK$143,172
−HK$4,388/mo
Today · 4.125%
HK$147,560
baseline
▲ 0.50% · 4.625%
HK$156,538
+HK$8,978/mo
Deposit HK$13.05M · loan HK$30.45M · min. income ≈ HK$295,120/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,848,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,472
−HK$8,346/mo
▼ 0.25% · 3.875%
HK$158,615
−HK$4,203/mo
Today · 4.125%
HK$162,818
baseline
▲ 0.50% · 4.625%
HK$171,400
+HK$8,582/mo
Deposit HK$13.05M · loan HK$30.45M · min. income ≈ HK$325,636/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,848,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,525
−HK$11,195/mo
▼ 0.25% · 3.875%
HK$184,078
−HK$5,642/mo
Today · 4.125%
HK$189,720
baseline
▲ 0.50% · 4.625%
HK$201,264
+HK$11,544/mo
Deposit HK$4.35M · loan HK$39.15M · min. income ≈ HK$379,440/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,848,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,607
−HK$10,730/mo
▼ 0.25% · 3.875%
HK$203,933
−HK$5,404/mo
Today · 4.125%
HK$209,337
baseline
▲ 0.50% · 4.625%
HK$220,371
+HK$11,034/mo
Deposit HK$4.35M · loan HK$39.15M · min. income ≈ HK$418,674/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,848,549 · Scale 2, in force from 26 Feb 2026)