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$99,201
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,287
−HK$3,135/mo
Today · 4.125%
HK$105,422
baseline
▲ 0.50% · 4.625%
HK$111,837
+HK$6,415/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$210,844/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$1,848,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,360
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,320
−HK$3,003/mo
Today · 4.125%
HK$116,323
baseline
▲ 0.50% · 4.625%
HK$122,454
+HK$6,131/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$232,646/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$1,848,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,041
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,744
−HK$3,762/mo
Today · 4.125%
HK$126,506
baseline
▲ 0.50% · 4.625%
HK$134,204
+HK$7,698/mo
Deposit HK$17.40M · loan HK$26.10M · min. income ≈ HK$253,012/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,848,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,432
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$135,984
−HK$3,603/mo
Today · 4.125%
HK$139,587
baseline
▲ 0.50% · 4.625%
HK$146,945
+HK$7,358/mo
Deposit HK$17.40M · loan HK$26.10M · min. income ≈ HK$279,174/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,848,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,882
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$143,202
−HK$4,389/mo
Today · 4.125%
HK$147,591
baseline
▲ 0.50% · 4.625%
HK$156,571
+HK$8,980/mo
Deposit HK$13.05M · loan HK$30.45M · min. income ≈ HK$295,182/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,848,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,504
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$158,648
−HK$4,204/mo
Today · 4.125%
HK$162,852
baseline
▲ 0.50% · 4.625%
HK$171,436
+HK$8,584/mo
Deposit HK$13.05M · loan HK$30.45M · min. income ≈ HK$325,704/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,848,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,562
−HK$11,198/mo
▼ 0.25% · 3.875%
HK$184,116
−HK$5,644/mo
Today · 4.125%
HK$189,760
baseline
▲ 0.50% · 4.625%
HK$201,306
+HK$11,546/mo
Deposit HK$4.35M · loan HK$39.15M · min. income ≈ HK$379,520/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,848,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,649
−HK$10,732/mo
▼ 0.25% · 3.875%
HK$203,976
−HK$5,405/mo
Today · 4.125%
HK$209,381
baseline
▲ 0.50% · 4.625%
HK$220,418
+HK$11,037/mo
Deposit HK$4.35M · loan HK$39.15M · min. income ≈ HK$418,762/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,848,937 · Scale 2, in force from 26 Feb 2026)