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$94,204
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$97,134
−HK$2,977/mo
Today · 4.125%
HK$100,111
baseline
▲ 0.50% · 4.625%
HK$106,203
+HK$6,092/mo
Deposit HK$20.66M · loan HK$20.66M · min. income ≈ HK$200,222/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,801
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,611
−HK$2,852/mo
Today · 4.125%
HK$110,463
baseline
▲ 0.50% · 4.625%
HK$116,285
+HK$5,822/mo
Deposit HK$20.66M · loan HK$20.66M · min. income ≈ HK$220,926/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,045
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$116,561
−HK$3,572/mo
Today · 4.125%
HK$120,133
baseline
▲ 0.50% · 4.625%
HK$127,443
+HK$7,310/mo
Deposit HK$16.53M · loan HK$24.79M · min. income ≈ HK$240,266/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,761
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$129,134
−HK$3,421/mo
Today · 4.125%
HK$132,555
baseline
▲ 0.50% · 4.625%
HK$139,543
+HK$6,988/mo
Deposit HK$16.53M · loan HK$24.79M · min. income ≈ HK$265,110/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,885
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$135,988
−HK$4,168/mo
Today · 4.125%
HK$140,156
baseline
▲ 0.50% · 4.625%
HK$148,684
+HK$8,528/mo
Deposit HK$12.39M · loan HK$28.92M · min. income ≈ HK$280,312/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,721
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$150,656
−HK$3,992/mo
Today · 4.125%
HK$154,648
baseline
▲ 0.50% · 4.625%
HK$162,800
+HK$8,152/mo
Deposit HK$12.39M · loan HK$28.92M · min. income ≈ HK$309,296/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,567
−HK$10,633/mo
▼ 0.25% · 3.875%
HK$174,841
−HK$5,359/mo
Today · 4.125%
HK$180,200
baseline
▲ 0.50% · 4.625%
HK$191,165
+HK$10,965/mo
Deposit HK$4.13M · loan HK$37.18M · min. income ≈ HK$360,400/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,641
−HK$10,192/mo
▼ 0.25% · 3.875%
HK$193,701
−HK$5,132/mo
Today · 4.125%
HK$198,833
baseline
▲ 0.50% · 4.625%
HK$209,314
+HK$10,481/mo
Deposit HK$4.13M · loan HK$37.18M · min. income ≈ HK$397,666/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,794 · Scale 2, in force from 26 Feb 2026)