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$99,468
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,562
−HK$3,143/mo
Today · 4.125%
HK$105,705
baseline
▲ 0.50% · 4.625%
HK$112,137
+HK$6,432/mo
Deposit HK$21.81M · loan HK$21.81M · min. income ≈ HK$211,410/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,657
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,625
−HK$3,010/mo
Today · 4.125%
HK$116,635
baseline
▲ 0.50% · 4.625%
HK$122,783
+HK$6,148/mo
Deposit HK$21.81M · loan HK$21.81M · min. income ≈ HK$233,270/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,361
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$123,074
−HK$3,772/mo
Today · 4.125%
HK$126,846
baseline
▲ 0.50% · 4.625%
HK$134,565
+HK$7,719/mo
Deposit HK$17.45M · loan HK$26.17M · min. income ≈ HK$253,692/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,788
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,350
−HK$3,612/mo
Today · 4.125%
HK$139,962
baseline
▲ 0.50% · 4.625%
HK$147,340
+HK$7,378/mo
Deposit HK$17.45M · loan HK$26.17M · min. income ≈ HK$279,924/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,255
−HK$8,732/mo
▼ 0.25% · 3.875%
HK$143,587
−HK$4,400/mo
Today · 4.125%
HK$147,987
baseline
▲ 0.50% · 4.625%
HK$156,992
+HK$9,005/mo
Deposit HK$13.09M · loan HK$30.53M · min. income ≈ HK$295,974/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,853,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,920
−HK$8,370/mo
▼ 0.25% · 3.875%
HK$159,075
−HK$4,215/mo
Today · 4.125%
HK$163,290
baseline
▲ 0.50% · 4.625%
HK$171,897
+HK$8,607/mo
Deposit HK$13.09M · loan HK$30.53M · min. income ≈ HK$326,580/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,853,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,042
−HK$11,228/mo
▼ 0.25% · 3.875%
HK$184,611
−HK$5,659/mo
Today · 4.125%
HK$190,270
baseline
▲ 0.50% · 4.625%
HK$201,847
+HK$11,577/mo
Deposit HK$4.36M · loan HK$39.26M · min. income ≈ HK$380,540/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,853,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,183
−HK$10,761/mo
▼ 0.25% · 3.875%
HK$204,524
−HK$5,420/mo
Today · 4.125%
HK$209,944
baseline
▲ 0.50% · 4.625%
HK$221,010
+HK$11,066/mo
Deposit HK$4.36M · loan HK$39.26M · min. income ≈ HK$419,888/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,853,907 · Scale 2, in force from 26 Feb 2026)