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$99,362
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,452
−HK$3,140/mo
Today · 4.125%
HK$105,592
baseline
▲ 0.50% · 4.625%
HK$112,017
+HK$6,425/mo
Deposit HK$21.79M · loan HK$21.79M · min. income ≈ HK$211,184/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$1,851,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,539
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,503
−HK$3,008/mo
Today · 4.125%
HK$116,511
baseline
▲ 0.50% · 4.625%
HK$122,652
+HK$6,141/mo
Deposit HK$21.79M · loan HK$21.79M · min. income ≈ HK$233,022/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$1,851,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,234
−HK$7,477/mo
▼ 0.25% · 3.875%
HK$122,943
−HK$3,768/mo
Today · 4.125%
HK$126,711
baseline
▲ 0.50% · 4.625%
HK$134,421
+HK$7,710/mo
Deposit HK$17.43M · loan HK$26.14M · min. income ≈ HK$253,422/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,851,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,646
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$136,204
−HK$3,609/mo
Today · 4.125%
HK$139,813
baseline
▲ 0.50% · 4.625%
HK$147,183
+HK$7,370/mo
Deposit HK$17.43M · loan HK$26.14M · min. income ≈ HK$279,626/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,851,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,106
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$143,433
−HK$4,396/mo
Today · 4.125%
HK$147,829
baseline
▲ 0.50% · 4.625%
HK$156,824
+HK$8,995/mo
Deposit HK$13.07M · loan HK$30.50M · min. income ≈ HK$295,658/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,851,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,754
−HK$8,361/mo
▼ 0.25% · 3.875%
HK$158,905
−HK$4,210/mo
Today · 4.125%
HK$163,115
baseline
▲ 0.50% · 4.625%
HK$171,713
+HK$8,598/mo
Deposit HK$13.07M · loan HK$30.50M · min. income ≈ HK$326,230/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,851,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,851
−HK$11,215/mo
▼ 0.25% · 3.875%
HK$184,414
−HK$5,652/mo
Today · 4.125%
HK$190,066
baseline
▲ 0.50% · 4.625%
HK$201,631
+HK$11,565/mo
Deposit HK$4.36M · loan HK$39.22M · min. income ≈ HK$380,132/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,851,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,970
−HK$10,749/mo
▼ 0.25% · 3.875%
HK$204,306
−HK$5,413/mo
Today · 4.125%
HK$209,719
baseline
▲ 0.50% · 4.625%
HK$220,774
+HK$11,055/mo
Deposit HK$4.36M · loan HK$39.22M · min. income ≈ HK$419,438/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,851,926 · Scale 2, in force from 26 Feb 2026)