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$106,174
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,477
−HK$3,355/mo
Today · 4.125%
HK$112,832
baseline
▲ 0.50% · 4.625%
HK$119,698
+HK$6,866/mo
Deposit HK$23.28M · loan HK$23.28M · min. income ≈ HK$225,664/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$1,978,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,118
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,285
−HK$3,214/mo
Today · 4.125%
HK$124,499
baseline
▲ 0.50% · 4.625%
HK$131,062
+HK$6,563/mo
Deposit HK$23.28M · loan HK$23.28M · min. income ≈ HK$248,998/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$1,978,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,409
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$131,372
−HK$4,027/mo
Today · 4.125%
HK$135,399
baseline
▲ 0.50% · 4.625%
HK$143,637
+HK$8,238/mo
Deposit HK$18.62M · loan HK$27.94M · min. income ≈ HK$270,798/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,978,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,741
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$145,543
−HK$3,856/mo
Today · 4.125%
HK$149,399
baseline
▲ 0.50% · 4.625%
HK$157,274
+HK$7,875/mo
Deposit HK$18.62M · loan HK$27.94M · min. income ≈ HK$298,798/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,978,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,644
−HK$9,321/mo
▼ 0.25% · 3.875%
HK$153,267
−HK$4,698/mo
Today · 4.125%
HK$157,965
baseline
▲ 0.50% · 4.625%
HK$167,577
+HK$9,612/mo
Deposit HK$13.97M · loan HK$32.59M · min. income ≈ HK$315,930/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,978,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,365
−HK$8,934/mo
▼ 0.25% · 3.875%
HK$169,800
−HK$4,499/mo
Today · 4.125%
HK$174,299
baseline
▲ 0.50% · 4.625%
HK$183,486
+HK$9,187/mo
Deposit HK$13.97M · loan HK$32.59M · min. income ≈ HK$348,598/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,978,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,113
−HK$11,985/mo
▼ 0.25% · 3.875%
HK$197,058
−HK$6,040/mo
Today · 4.125%
HK$203,098
baseline
▲ 0.50% · 4.625%
HK$215,456
+HK$12,358/mo
Deposit HK$4.66M · loan HK$41.91M · min. income ≈ HK$406,196/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,978,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,612
−HK$11,486/mo
▼ 0.25% · 3.875%
HK$218,314
−HK$5,784/mo
Today · 4.125%
HK$224,098
baseline
▲ 0.50% · 4.625%
HK$235,911
+HK$11,813/mo
Deposit HK$4.66M · loan HK$41.91M · min. income ≈ HK$448,196/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,978,900 · Scale 2, in force from 26 Feb 2026)