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$99,198
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,284
−HK$3,134/mo
Today · 4.125%
HK$105,418
baseline
▲ 0.50% · 4.625%
HK$111,833
+HK$6,415/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$210,836/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$1,848,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,357
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,316
−HK$3,003/mo
Today · 4.125%
HK$116,319
baseline
▲ 0.50% · 4.625%
HK$122,450
+HK$6,131/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$232,638/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$1,848,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,037
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,740
−HK$3,762/mo
Today · 4.125%
HK$126,502
baseline
▲ 0.50% · 4.625%
HK$134,200
+HK$7,698/mo
Deposit HK$17.40M · loan HK$26.10M · min. income ≈ HK$253,004/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,848,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,428
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$135,980
−HK$3,603/mo
Today · 4.125%
HK$139,583
baseline
▲ 0.50% · 4.625%
HK$146,940
+HK$7,357/mo
Deposit HK$17.40M · loan HK$26.10M · min. income ≈ HK$279,166/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,848,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,877
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$143,197
−HK$4,389/mo
Today · 4.125%
HK$147,586
baseline
▲ 0.50% · 4.625%
HK$156,566
+HK$8,980/mo
Deposit HK$13.05M · loan HK$30.45M · min. income ≈ HK$295,172/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,848,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,499
−HK$8,347/mo
▼ 0.25% · 3.875%
HK$158,643
−HK$4,203/mo
Today · 4.125%
HK$162,846
baseline
▲ 0.50% · 4.625%
HK$171,430
+HK$8,584/mo
Deposit HK$13.05M · loan HK$30.45M · min. income ≈ HK$325,692/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,848,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,556
−HK$11,197/mo
▼ 0.25% · 3.875%
HK$184,110
−HK$5,643/mo
Today · 4.125%
HK$189,753
baseline
▲ 0.50% · 4.625%
HK$201,299
+HK$11,546/mo
Deposit HK$4.35M · loan HK$39.15M · min. income ≈ HK$379,506/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,848,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,642
−HK$10,732/mo
▼ 0.25% · 3.875%
HK$203,969
−HK$5,405/mo
Today · 4.125%
HK$209,374
baseline
▲ 0.50% · 4.625%
HK$220,410
+HK$11,036/mo
Deposit HK$4.35M · loan HK$39.15M · min. income ≈ HK$418,748/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,848,876 · Scale 2, in force from 26 Feb 2026)