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$99,308
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,397
−HK$3,138/mo
Today · 4.125%
HK$105,535
baseline
▲ 0.50% · 4.625%
HK$111,957
+HK$6,422/mo
Deposit HK$21.78M · loan HK$21.78M · min. income ≈ HK$211,070/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$1,850,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,479
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,442
−HK$3,005/mo
Today · 4.125%
HK$116,447
baseline
▲ 0.50% · 4.625%
HK$122,586
+HK$6,139/mo
Deposit HK$21.78M · loan HK$21.78M · min. income ≈ HK$232,894/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$1,850,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,169
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$122,876
−HK$3,766/mo
Today · 4.125%
HK$126,642
baseline
▲ 0.50% · 4.625%
HK$134,348
+HK$7,706/mo
Deposit HK$17.42M · loan HK$26.13M · min. income ≈ HK$253,284/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,850,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,574
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$136,130
−HK$3,607/mo
Today · 4.125%
HK$139,737
baseline
▲ 0.50% · 4.625%
HK$147,103
+HK$7,366/mo
Deposit HK$17.42M · loan HK$26.13M · min. income ≈ HK$279,474/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,850,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,031
−HK$8,718/mo
▼ 0.25% · 3.875%
HK$143,355
−HK$4,394/mo
Today · 4.125%
HK$147,749
baseline
▲ 0.50% · 4.625%
HK$156,739
+HK$8,990/mo
Deposit HK$13.07M · loan HK$30.49M · min. income ≈ HK$295,498/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,850,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,670
−HK$8,356/mo
▼ 0.25% · 3.875%
HK$158,818
−HK$4,208/mo
Today · 4.125%
HK$163,026
baseline
▲ 0.50% · 4.625%
HK$171,620
+HK$8,594/mo
Deposit HK$13.07M · loan HK$30.49M · min. income ≈ HK$326,052/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,850,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,754
−HK$11,209/mo
▼ 0.25% · 3.875%
HK$184,314
−HK$5,649/mo
Today · 4.125%
HK$189,963
baseline
▲ 0.50% · 4.625%
HK$201,522
+HK$11,559/mo
Deposit HK$4.36M · loan HK$39.20M · min. income ≈ HK$379,926/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,850,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,862
−HK$10,743/mo
▼ 0.25% · 3.875%
HK$204,195
−HK$5,410/mo
Today · 4.125%
HK$209,605
baseline
▲ 0.50% · 4.625%
HK$220,654
+HK$11,049/mo
Deposit HK$4.36M · loan HK$39.20M · min. income ≈ HK$419,210/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,850,919 · Scale 2, in force from 26 Feb 2026)