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$94,948
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$97,901
−HK$3,001/mo
Today · 4.125%
HK$100,902
baseline
▲ 0.50% · 4.625%
HK$107,041
+HK$6,139/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$201,804/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,769,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,628
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$108,461
−HK$2,874/mo
Today · 4.125%
HK$111,335
baseline
▲ 0.50% · 4.625%
HK$117,204
+HK$5,869/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$222,670/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,769,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,937
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$117,481
−HK$3,601/mo
Today · 4.125%
HK$121,082
baseline
▲ 0.50% · 4.625%
HK$128,450
+HK$7,368/mo
Deposit HK$16.66M · loan HK$24.98M · min. income ≈ HK$242,164/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,769,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,754
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$130,153
−HK$3,449/mo
Today · 4.125%
HK$133,602
baseline
▲ 0.50% · 4.625%
HK$140,644
+HK$7,042/mo
Deposit HK$16.66M · loan HK$24.98M · min. income ≈ HK$267,204/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,769,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,927
−HK$8,335/mo
▼ 0.25% · 3.875%
HK$137,061
−HK$4,201/mo
Today · 4.125%
HK$141,262
baseline
▲ 0.50% · 4.625%
HK$149,858
+HK$8,596/mo
Deposit HK$12.49M · loan HK$29.15M · min. income ≈ HK$282,524/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,880
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$151,846
−HK$4,023/mo
Today · 4.125%
HK$155,869
baseline
▲ 0.50% · 4.625%
HK$164,085
+HK$8,216/mo
Deposit HK$12.49M · loan HK$29.15M · min. income ≈ HK$311,738/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,906
−HK$10,717/mo
▼ 0.25% · 3.875%
HK$176,222
−HK$5,401/mo
Today · 4.125%
HK$181,623
baseline
▲ 0.50% · 4.625%
HK$192,674
+HK$11,051/mo
Deposit HK$4.16M · loan HK$37.48M · min. income ≈ HK$363,246/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,131
−HK$10,272/mo
▼ 0.25% · 3.875%
HK$195,230
−HK$5,173/mo
Today · 4.125%
HK$200,403
baseline
▲ 0.50% · 4.625%
HK$210,967
+HK$10,564/mo
Deposit HK$4.16M · loan HK$37.48M · min. income ≈ HK$400,806/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,658 · Scale 2, in force from 26 Feb 2026)