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$97,633
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,670
−HK$3,085/mo
Today · 4.125%
HK$103,755
baseline
▲ 0.50% · 4.625%
HK$110,069
+HK$6,314/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$207,510/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,819,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,616
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,529
−HK$2,955/mo
Today · 4.125%
HK$114,484
baseline
▲ 0.50% · 4.625%
HK$120,518
+HK$6,034/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$228,968/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,819,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,159
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,804
−HK$3,702/mo
Today · 4.125%
HK$124,506
baseline
▲ 0.50% · 4.625%
HK$132,082
+HK$7,576/mo
Deposit HK$17.13M · loan HK$25.69M · min. income ≈ HK$249,012/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,819,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,339
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$133,834
−HK$3,546/mo
Today · 4.125%
HK$137,380
baseline
▲ 0.50% · 4.625%
HK$144,622
+HK$7,242/mo
Deposit HK$17.13M · loan HK$25.69M · min. income ≈ HK$274,760/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,819,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,686
−HK$8,571/mo
▼ 0.25% · 3.875%
HK$140,938
−HK$4,319/mo
Today · 4.125%
HK$145,257
baseline
▲ 0.50% · 4.625%
HK$154,096
+HK$8,839/mo
Deposit HK$12.84M · loan HK$29.97M · min. income ≈ HK$290,514/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,819,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,062
−HK$8,215/mo
▼ 0.25% · 3.875%
HK$156,140
−HK$4,137/mo
Today · 4.125%
HK$160,277
baseline
▲ 0.50% · 4.625%
HK$168,726
+HK$8,449/mo
Deposit HK$12.84M · loan HK$29.97M · min. income ≈ HK$320,554/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,819,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,739
−HK$11,020/mo
▼ 0.25% · 3.875%
HK$181,206
−HK$5,553/mo
Today · 4.125%
HK$186,759
baseline
▲ 0.50% · 4.625%
HK$198,123
+HK$11,364/mo
Deposit HK$4.28M · loan HK$38.53M · min. income ≈ HK$373,518/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,508
−HK$10,563/mo
▼ 0.25% · 3.875%
HK$200,751
−HK$5,320/mo
Today · 4.125%
HK$206,071
baseline
▲ 0.50% · 4.625%
HK$216,933
+HK$10,862/mo
Deposit HK$4.28M · loan HK$38.53M · min. income ≈ HK$412,142/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,706 · Scale 2, in force from 26 Feb 2026)