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$99,494
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,589
−HK$3,145/mo
Today · 4.125%
HK$105,734
baseline
▲ 0.50% · 4.625%
HK$112,167
+HK$6,433/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$211,468/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,687
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,655
−HK$3,012/mo
Today · 4.125%
HK$116,667
baseline
▲ 0.50% · 4.625%
HK$122,816
+HK$6,149/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$233,334/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,393
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$123,107
−HK$3,773/mo
Today · 4.125%
HK$126,880
baseline
▲ 0.50% · 4.625%
HK$134,601
+HK$7,721/mo
Deposit HK$17.45M · loan HK$26.18M · min. income ≈ HK$253,760/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,824
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,386
−HK$3,614/mo
Today · 4.125%
HK$140,000
baseline
▲ 0.50% · 4.625%
HK$147,380
+HK$7,380/mo
Deposit HK$17.45M · loan HK$26.18M · min. income ≈ HK$280,000/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,292
−HK$8,735/mo
▼ 0.25% · 3.875%
HK$143,625
−HK$4,402/mo
Today · 4.125%
HK$148,027
baseline
▲ 0.50% · 4.625%
HK$157,034
+HK$9,007/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$296,054/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,854,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,961
−HK$8,372/mo
▼ 0.25% · 3.875%
HK$159,117
−HK$4,216/mo
Today · 4.125%
HK$163,333
baseline
▲ 0.50% · 4.625%
HK$171,943
+HK$8,610/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$326,666/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,854,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,090
−HK$11,231/mo
▼ 0.25% · 3.875%
HK$184,661
−HK$5,660/mo
Today · 4.125%
HK$190,321
baseline
▲ 0.50% · 4.625%
HK$201,901
+HK$11,580/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$380,642/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,236
−HK$10,764/mo
▼ 0.25% · 3.875%
HK$204,579
−HK$5,421/mo
Today · 4.125%
HK$210,000
baseline
▲ 0.50% · 4.625%
HK$221,069
+HK$11,069/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$420,000/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,404 · Scale 2, in force from 26 Feb 2026)