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$99,059
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,140
−HK$3,131/mo
Today · 4.125%
HK$105,271
baseline
▲ 0.50% · 4.625%
HK$111,677
+HK$6,406/mo
Deposit HK$21.72M · loan HK$21.72M · min. income ≈ HK$210,542/mo (50% DSR)
Upfront cash ≈ HK$23.57M (deposit + AVD stamp duty HK$1,846,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,202
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,158
−HK$2,998/mo
Today · 4.125%
HK$116,156
baseline
▲ 0.50% · 4.625%
HK$122,279
+HK$6,123/mo
Deposit HK$21.72M · loan HK$21.72M · min. income ≈ HK$232,312/mo (50% DSR)
Upfront cash ≈ HK$23.57M (deposit + AVD stamp duty HK$1,846,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,871
−HK$7,454/mo
▼ 0.25% · 3.875%
HK$122,569
−HK$3,756/mo
Today · 4.125%
HK$126,325
baseline
▲ 0.50% · 4.625%
HK$134,012
+HK$7,687/mo
Deposit HK$17.38M · loan HK$26.07M · min. income ≈ HK$252,650/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,846,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,243
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$135,789
−HK$3,598/mo
Today · 4.125%
HK$139,387
baseline
▲ 0.50% · 4.625%
HK$146,735
+HK$7,348/mo
Deposit HK$17.38M · loan HK$26.07M · min. income ≈ HK$278,774/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,846,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,683
−HK$8,696/mo
▼ 0.25% · 3.875%
HK$142,997
−HK$4,382/mo
Today · 4.125%
HK$147,379
baseline
▲ 0.50% · 4.625%
HK$156,347
+HK$8,968/mo
Deposit HK$13.03M · loan HK$30.41M · min. income ≈ HK$294,758/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,846,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,283
−HK$8,336/mo
▼ 0.25% · 3.875%
HK$158,421
−HK$4,198/mo
Today · 4.125%
HK$162,619
baseline
▲ 0.50% · 4.625%
HK$171,191
+HK$8,572/mo
Deposit HK$13.03M · loan HK$30.41M · min. income ≈ HK$325,238/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,846,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,306
−HK$11,182/mo
▼ 0.25% · 3.875%
HK$183,853
−HK$5,635/mo
Today · 4.125%
HK$189,488
baseline
▲ 0.50% · 4.625%
HK$201,018
+HK$11,530/mo
Deposit HK$4.34M · loan HK$39.10M · min. income ≈ HK$378,976/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,846,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,364
−HK$10,717/mo
▼ 0.25% · 3.875%
HK$203,684
−HK$5,397/mo
Today · 4.125%
HK$209,081
baseline
▲ 0.50% · 4.625%
HK$220,102
+HK$11,021/mo
Deposit HK$4.34M · loan HK$39.10M · min. income ≈ HK$418,162/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,846,290 · Scale 2, in force from 26 Feb 2026)