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$94,854
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,805
−HK$2,998/mo
Today · 4.125%
HK$100,803
baseline
▲ 0.50% · 4.625%
HK$106,936
+HK$6,133/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$201,606/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,767,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,525
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,355
−HK$2,871/mo
Today · 4.125%
HK$111,226
baseline
▲ 0.50% · 4.625%
HK$117,089
+HK$5,863/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$222,452/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,767,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,825
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$117,366
−HK$3,597/mo
Today · 4.125%
HK$120,963
baseline
▲ 0.50% · 4.625%
HK$128,324
+HK$7,361/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$241,926/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,767,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,630
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$130,026
−HK$3,445/mo
Today · 4.125%
HK$133,471
baseline
▲ 0.50% · 4.625%
HK$140,506
+HK$7,035/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$266,942/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,767,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,796
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$136,927
−HK$4,197/mo
Today · 4.125%
HK$141,124
baseline
▲ 0.50% · 4.625%
HK$149,711
+HK$8,587/mo
Deposit HK$12.48M · loan HK$29.12M · min. income ≈ HK$282,248/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,767,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,734
−HK$7,982/mo
▼ 0.25% · 3.875%
HK$151,697
−HK$4,019/mo
Today · 4.125%
HK$155,716
baseline
▲ 0.50% · 4.625%
HK$163,924
+HK$8,208/mo
Deposit HK$12.48M · loan HK$29.12M · min. income ≈ HK$311,432/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,767,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,738
−HK$10,707/mo
▼ 0.25% · 3.875%
HK$176,049
−HK$5,396/mo
Today · 4.125%
HK$181,445
baseline
▲ 0.50% · 4.625%
HK$192,485
+HK$11,040/mo
Deposit HK$4.16M · loan HK$37.44M · min. income ≈ HK$362,890/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,944
−HK$10,262/mo
▼ 0.25% · 3.875%
HK$195,039
−HK$5,167/mo
Today · 4.125%
HK$200,206
baseline
▲ 0.50% · 4.625%
HK$210,760
+HK$10,554/mo
Deposit HK$4.16M · loan HK$37.44M · min. income ≈ HK$400,412/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,922 · Scale 2, in force from 26 Feb 2026)