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$99,081
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,163
−HK$3,131/mo
Today · 4.125%
HK$105,294
baseline
▲ 0.50% · 4.625%
HK$111,701
+HK$6,407/mo
Deposit HK$21.73M · loan HK$21.73M · min. income ≈ HK$210,588/mo (50% DSR)
Upfront cash ≈ HK$23.57M (deposit + AVD stamp duty HK$1,846,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,227
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,183
−HK$2,999/mo
Today · 4.125%
HK$116,182
baseline
▲ 0.50% · 4.625%
HK$122,306
+HK$6,124/mo
Deposit HK$21.73M · loan HK$21.73M · min. income ≈ HK$232,364/mo (50% DSR)
Upfront cash ≈ HK$23.57M (deposit + AVD stamp duty HK$1,846,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,897
−HK$7,456/mo
▼ 0.25% · 3.875%
HK$122,596
−HK$3,757/mo
Today · 4.125%
HK$126,353
baseline
▲ 0.50% · 4.625%
HK$134,042
+HK$7,689/mo
Deposit HK$17.38M · loan HK$26.07M · min. income ≈ HK$252,706/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,846,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,272
−HK$7,146/mo
▼ 0.25% · 3.875%
HK$135,820
−HK$3,598/mo
Today · 4.125%
HK$139,418
baseline
▲ 0.50% · 4.625%
HK$146,767
+HK$7,349/mo
Deposit HK$17.38M · loan HK$26.07M · min. income ≈ HK$278,836/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,846,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,714
−HK$8,698/mo
▼ 0.25% · 3.875%
HK$143,028
−HK$4,384/mo
Today · 4.125%
HK$147,412
baseline
▲ 0.50% · 4.625%
HK$156,382
+HK$8,970/mo
Deposit HK$13.04M · loan HK$30.42M · min. income ≈ HK$294,824/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,846,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,318
−HK$8,337/mo
▼ 0.25% · 3.875%
HK$158,456
−HK$4,199/mo
Today · 4.125%
HK$162,655
baseline
▲ 0.50% · 4.625%
HK$171,229
+HK$8,574/mo
Deposit HK$13.04M · loan HK$30.42M · min. income ≈ HK$325,310/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,846,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,346
−HK$11,184/mo
▼ 0.25% · 3.875%
HK$183,894
−HK$5,636/mo
Today · 4.125%
HK$189,530
baseline
▲ 0.50% · 4.625%
HK$201,062
+HK$11,532/mo
Deposit HK$4.35M · loan HK$39.11M · min. income ≈ HK$379,060/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,846,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,408
−HK$10,720/mo
▼ 0.25% · 3.875%
HK$203,729
−HK$5,399/mo
Today · 4.125%
HK$209,128
baseline
▲ 0.50% · 4.625%
HK$220,151
+HK$11,023/mo
Deposit HK$4.35M · loan HK$39.11M · min. income ≈ HK$418,256/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,846,701 · Scale 2, in force from 26 Feb 2026)