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$99,412
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,504
−HK$3,142/mo
Today · 4.125%
HK$105,646
baseline
▲ 0.50% · 4.625%
HK$112,074
+HK$6,428/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$211,292/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,852,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,595
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,561
−HK$3,009/mo
Today · 4.125%
HK$116,570
baseline
▲ 0.50% · 4.625%
HK$122,715
+HK$6,145/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$233,140/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,852,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,295
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$123,005
−HK$3,770/mo
Today · 4.125%
HK$126,775
baseline
▲ 0.50% · 4.625%
HK$134,489
+HK$7,714/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$253,550/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,714
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$136,273
−HK$3,611/mo
Today · 4.125%
HK$139,884
baseline
▲ 0.50% · 4.625%
HK$147,258
+HK$7,374/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$279,768/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,177
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$143,506
−HK$4,399/mo
Today · 4.125%
HK$147,905
baseline
▲ 0.50% · 4.625%
HK$156,904
+HK$8,999/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$295,810/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,833
−HK$8,365/mo
▼ 0.25% · 3.875%
HK$158,986
−HK$4,212/mo
Today · 4.125%
HK$163,198
baseline
▲ 0.50% · 4.625%
HK$171,801
+HK$8,603/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$326,396/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,942
−HK$11,221/mo
▼ 0.25% · 3.875%
HK$184,508
−HK$5,655/mo
Today · 4.125%
HK$190,163
baseline
▲ 0.50% · 4.625%
HK$201,734
+HK$11,571/mo
Deposit HK$4.36M · loan HK$39.24M · min. income ≈ HK$380,326/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,071
−HK$10,755/mo
▼ 0.25% · 3.875%
HK$204,410
−HK$5,416/mo
Today · 4.125%
HK$209,826
baseline
▲ 0.50% · 4.625%
HK$220,886
+HK$11,060/mo
Deposit HK$4.36M · loan HK$39.24M · min. income ≈ HK$419,652/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,870 · Scale 2, in force from 26 Feb 2026)