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$99,569
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,667
−HK$3,146/mo
Today · 4.125%
HK$105,813
baseline
▲ 0.50% · 4.625%
HK$112,252
+HK$6,439/mo
Deposit HK$21.83M · loan HK$21.83M · min. income ≈ HK$211,626/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$1,855,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,770
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,741
−HK$3,014/mo
Today · 4.125%
HK$116,755
baseline
▲ 0.50% · 4.625%
HK$122,909
+HK$6,154/mo
Deposit HK$21.83M · loan HK$21.83M · min. income ≈ HK$233,510/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$1,855,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,483
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$123,200
−HK$3,776/mo
Today · 4.125%
HK$126,976
baseline
▲ 0.50% · 4.625%
HK$134,702
+HK$7,726/mo
Deposit HK$17.47M · loan HK$26.20M · min. income ≈ HK$253,952/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,855,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,924
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$136,489
−HK$3,616/mo
Today · 4.125%
HK$140,105
baseline
▲ 0.50% · 4.625%
HK$147,491
+HK$7,386/mo
Deposit HK$17.47M · loan HK$26.20M · min. income ≈ HK$280,210/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,855,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,397
−HK$8,742/mo
▼ 0.25% · 3.875%
HK$143,733
−HK$4,406/mo
Today · 4.125%
HK$148,139
baseline
▲ 0.50% · 4.625%
HK$157,152
+HK$9,013/mo
Deposit HK$13.10M · loan HK$30.57M · min. income ≈ HK$296,278/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,855,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,078
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$159,237
−HK$4,219/mo
Today · 4.125%
HK$163,456
baseline
▲ 0.50% · 4.625%
HK$172,072
+HK$8,616/mo
Deposit HK$13.10M · loan HK$30.57M · min. income ≈ HK$326,912/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,855,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,225
−HK$11,239/mo
▼ 0.25% · 3.875%
HK$184,800
−HK$5,664/mo
Today · 4.125%
HK$190,464
baseline
▲ 0.50% · 4.625%
HK$202,053
+HK$11,589/mo
Deposit HK$4.37M · loan HK$39.30M · min. income ≈ HK$380,928/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,855,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,386
−HK$10,772/mo
▼ 0.25% · 3.875%
HK$204,733
−HK$5,425/mo
Today · 4.125%
HK$210,158
baseline
▲ 0.50% · 4.625%
HK$221,236
+HK$11,078/mo
Deposit HK$4.37M · loan HK$39.30M · min. income ≈ HK$420,316/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,855,800 · Scale 2, in force from 26 Feb 2026)