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$99,490
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,585
−HK$3,144/mo
Today · 4.125%
HK$105,729
baseline
▲ 0.50% · 4.625%
HK$112,162
+HK$6,433/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$211,458/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,682
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,650
−HK$3,012/mo
Today · 4.125%
HK$116,662
baseline
▲ 0.50% · 4.625%
HK$122,811
+HK$6,149/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$233,324/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,388
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$123,102
−HK$3,773/mo
Today · 4.125%
HK$126,875
baseline
▲ 0.50% · 4.625%
HK$134,595
+HK$7,720/mo
Deposit HK$17.45M · loan HK$26.18M · min. income ≈ HK$253,750/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,818
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,380
−HK$3,614/mo
Today · 4.125%
HK$139,994
baseline
▲ 0.50% · 4.625%
HK$147,373
+HK$7,379/mo
Deposit HK$17.45M · loan HK$26.18M · min. income ≈ HK$279,988/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,286
−HK$8,735/mo
▼ 0.25% · 3.875%
HK$143,619
−HK$4,402/mo
Today · 4.125%
HK$148,021
baseline
▲ 0.50% · 4.625%
HK$157,027
+HK$9,006/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$296,042/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,854,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,955
−HK$8,371/mo
▼ 0.25% · 3.875%
HK$159,110
−HK$4,216/mo
Today · 4.125%
HK$163,326
baseline
▲ 0.50% · 4.625%
HK$171,935
+HK$8,609/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$326,652/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,854,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,082
−HK$11,230/mo
▼ 0.25% · 3.875%
HK$184,653
−HK$5,659/mo
Today · 4.125%
HK$190,312
baseline
▲ 0.50% · 4.625%
HK$201,892
+HK$11,580/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$380,624/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,227
−HK$10,764/mo
▼ 0.25% · 3.875%
HK$204,570
−HK$5,421/mo
Today · 4.125%
HK$209,991
baseline
▲ 0.50% · 4.625%
HK$221,060
+HK$11,069/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$419,982/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,324 · Scale 2, in force from 26 Feb 2026)