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$99,443
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$102,536
−HK$3,143/mo
Today · 4.125%
HK$105,679
baseline
▲ 0.50% · 4.625%
HK$112,109
+HK$6,430/mo
Deposit HK$21.81M · loan HK$21.81M · min. income ≈ HK$211,358/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,629
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,596
−HK$3,010/mo
Today · 4.125%
HK$116,606
baseline
▲ 0.50% · 4.625%
HK$122,753
+HK$6,147/mo
Deposit HK$21.81M · loan HK$21.81M · min. income ≈ HK$233,212/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,331
−HK$7,484/mo
▼ 0.25% · 3.875%
HK$123,043
−HK$3,772/mo
Today · 4.125%
HK$126,815
baseline
▲ 0.50% · 4.625%
HK$134,531
+HK$7,716/mo
Deposit HK$17.44M · loan HK$26.17M · min. income ≈ HK$253,630/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,755
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$136,315
−HK$3,612/mo
Today · 4.125%
HK$139,927
baseline
▲ 0.50% · 4.625%
HK$147,303
+HK$7,376/mo
Deposit HK$17.44M · loan HK$26.17M · min. income ≈ HK$279,854/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,220
−HK$8,730/mo
▼ 0.25% · 3.875%
HK$143,551
−HK$4,399/mo
Today · 4.125%
HK$147,950
baseline
▲ 0.50% · 4.625%
HK$156,953
+HK$9,003/mo
Deposit HK$13.08M · loan HK$30.53M · min. income ≈ HK$295,900/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,853,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,881
−HK$8,368/mo
▼ 0.25% · 3.875%
HK$159,035
−HK$4,214/mo
Today · 4.125%
HK$163,249
baseline
▲ 0.50% · 4.625%
HK$171,854
+HK$8,605/mo
Deposit HK$13.08M · loan HK$30.53M · min. income ≈ HK$326,498/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,853,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,997
−HK$11,225/mo
▼ 0.25% · 3.875%
HK$184,565
−HK$5,657/mo
Today · 4.125%
HK$190,222
baseline
▲ 0.50% · 4.625%
HK$201,796
+HK$11,574/mo
Deposit HK$4.36M · loan HK$39.25M · min. income ≈ HK$380,444/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,853,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,133
−HK$10,758/mo
▼ 0.25% · 3.875%
HK$204,473
−HK$5,418/mo
Today · 4.125%
HK$209,891
baseline
▲ 0.50% · 4.625%
HK$220,955
+HK$11,064/mo
Deposit HK$4.36M · loan HK$39.25M · min. income ≈ HK$419,782/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,853,442 · Scale 2, in force from 26 Feb 2026)