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$99,275
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,363
−HK$3,138/mo
Today · 4.125%
HK$105,501
baseline
▲ 0.50% · 4.625%
HK$111,920
+HK$6,419/mo
Deposit HK$21.77M · loan HK$21.77M · min. income ≈ HK$211,002/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$1,850,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,443
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,405
−HK$3,004/mo
Today · 4.125%
HK$116,409
baseline
▲ 0.50% · 4.625%
HK$122,546
+HK$6,137/mo
Deposit HK$21.77M · loan HK$21.77M · min. income ≈ HK$232,818/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$1,850,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,130
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$122,836
−HK$3,765/mo
Today · 4.125%
HK$126,601
baseline
▲ 0.50% · 4.625%
HK$134,304
+HK$7,703/mo
Deposit HK$17.41M · loan HK$26.12M · min. income ≈ HK$253,202/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,850,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,531
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$136,086
−HK$3,605/mo
Today · 4.125%
HK$139,691
baseline
▲ 0.50% · 4.625%
HK$147,055
+HK$7,364/mo
Deposit HK$17.41M · loan HK$26.12M · min. income ≈ HK$279,382/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,850,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,985
−HK$8,716/mo
▼ 0.25% · 3.875%
HK$143,308
−HK$4,393/mo
Today · 4.125%
HK$147,701
baseline
▲ 0.50% · 4.625%
HK$156,688
+HK$8,987/mo
Deposit HK$13.06M · loan HK$30.48M · min. income ≈ HK$295,402/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,850,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,620
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$158,766
−HK$4,207/mo
Today · 4.125%
HK$162,973
baseline
▲ 0.50% · 4.625%
HK$171,564
+HK$8,591/mo
Deposit HK$13.06M · loan HK$30.48M · min. income ≈ HK$325,946/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,850,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,695
−HK$11,206/mo
▼ 0.25% · 3.875%
HK$184,254
−HK$5,647/mo
Today · 4.125%
HK$189,901
baseline
▲ 0.50% · 4.625%
HK$201,456
+HK$11,555/mo
Deposit HK$4.35M · loan HK$39.18M · min. income ≈ HK$379,802/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,850,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,797
−HK$10,740/mo
▼ 0.25% · 3.875%
HK$204,128
−HK$5,409/mo
Today · 4.125%
HK$209,537
baseline
▲ 0.50% · 4.625%
HK$220,582
+HK$11,045/mo
Deposit HK$4.35M · loan HK$39.18M · min. income ≈ HK$419,074/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,850,316 · Scale 2, in force from 26 Feb 2026)