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$99,484
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,579
−HK$3,144/mo
Today · 4.125%
HK$105,723
baseline
▲ 0.50% · 4.625%
HK$112,156
+HK$6,433/mo
Deposit HK$21.81M · loan HK$21.81M · min. income ≈ HK$211,446/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,675
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,643
−HK$3,012/mo
Today · 4.125%
HK$116,655
baseline
▲ 0.50% · 4.625%
HK$122,804
+HK$6,149/mo
Deposit HK$21.81M · loan HK$21.81M · min. income ≈ HK$233,310/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,381
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$123,094
−HK$3,773/mo
Today · 4.125%
HK$126,867
baseline
▲ 0.50% · 4.625%
HK$134,587
+HK$7,720/mo
Deposit HK$17.45M · loan HK$26.18M · min. income ≈ HK$253,734/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,810
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,372
−HK$3,614/mo
Today · 4.125%
HK$139,986
baseline
▲ 0.50% · 4.625%
HK$147,364
+HK$7,378/mo
Deposit HK$17.45M · loan HK$26.18M · min. income ≈ HK$279,972/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,278
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$143,610
−HK$4,402/mo
Today · 4.125%
HK$148,012
baseline
▲ 0.50% · 4.625%
HK$157,018
+HK$9,006/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$296,024/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,854,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,945
−HK$8,371/mo
▼ 0.25% · 3.875%
HK$159,101
−HK$4,215/mo
Today · 4.125%
HK$163,316
baseline
▲ 0.50% · 4.625%
HK$171,925
+HK$8,609/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$326,632/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,854,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,072
−HK$11,229/mo
▼ 0.25% · 3.875%
HK$184,642
−HK$5,659/mo
Today · 4.125%
HK$190,301
baseline
▲ 0.50% · 4.625%
HK$201,880
+HK$11,579/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$380,602/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,215
−HK$10,763/mo
▼ 0.25% · 3.875%
HK$204,558
−HK$5,420/mo
Today · 4.125%
HK$209,978
baseline
▲ 0.50% · 4.625%
HK$221,047
+HK$11,069/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$419,956/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,212 · Scale 2, in force from 26 Feb 2026)