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$94,792
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$97,740
−HK$2,996/mo
Today · 4.125%
HK$100,736
baseline
▲ 0.50% · 4.625%
HK$106,865
+HK$6,129/mo
Deposit HK$20.79M · loan HK$20.79M · min. income ≈ HK$201,472/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$1,766,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,455
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$108,283
−HK$2,869/mo
Today · 4.125%
HK$111,152
baseline
▲ 0.50% · 4.625%
HK$117,011
+HK$5,859/mo
Deposit HK$20.79M · loan HK$20.79M · min. income ≈ HK$222,304/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$1,766,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,750
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$117,288
−HK$3,595/mo
Today · 4.125%
HK$120,883
baseline
▲ 0.50% · 4.625%
HK$128,238
+HK$7,355/mo
Deposit HK$16.63M · loan HK$24.94M · min. income ≈ HK$241,766/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,766,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,546
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$129,939
−HK$3,443/mo
Today · 4.125%
HK$133,382
baseline
▲ 0.50% · 4.625%
HK$140,413
+HK$7,031/mo
Deposit HK$16.63M · loan HK$24.94M · min. income ≈ HK$266,764/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,766,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,708
−HK$8,322/mo
▼ 0.25% · 3.875%
HK$136,836
−HK$4,194/mo
Today · 4.125%
HK$141,030
baseline
▲ 0.50% · 4.625%
HK$149,611
+HK$8,581/mo
Deposit HK$12.47M · loan HK$29.10M · min. income ≈ HK$282,060/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,766,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,636
−HK$7,977/mo
▼ 0.25% · 3.875%
HK$151,596
−HK$4,017/mo
Today · 4.125%
HK$155,613
baseline
▲ 0.50% · 4.625%
HK$163,815
+HK$8,202/mo
Deposit HK$12.47M · loan HK$29.10M · min. income ≈ HK$311,226/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,766,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,625
−HK$10,699/mo
▼ 0.25% · 3.875%
HK$175,932
−HK$5,392/mo
Today · 4.125%
HK$181,324
baseline
▲ 0.50% · 4.625%
HK$192,358
+HK$11,034/mo
Deposit HK$4.16M · loan HK$37.41M · min. income ≈ HK$362,648/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,766,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,818
−HK$10,256/mo
▼ 0.25% · 3.875%
HK$194,909
−HK$5,165/mo
Today · 4.125%
HK$200,074
baseline
▲ 0.50% · 4.625%
HK$210,620
+HK$10,546/mo
Deposit HK$4.16M · loan HK$37.41M · min. income ≈ HK$400,148/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,766,749 · Scale 2, in force from 26 Feb 2026)