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$93,888
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,808
−HK$2,968/mo
Today · 4.125%
HK$99,776
baseline
▲ 0.50% · 4.625%
HK$105,847
+HK$6,071/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$199,552/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,749,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,449
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,251
−HK$2,841/mo
Today · 4.125%
HK$110,092
baseline
▲ 0.50% · 4.625%
HK$115,896
+HK$5,804/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$220,184/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,749,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,666
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$116,170
−HK$3,561/mo
Today · 4.125%
HK$119,731
baseline
▲ 0.50% · 4.625%
HK$127,016
+HK$7,285/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$239,462/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,339
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,701
−HK$3,410/mo
Today · 4.125%
HK$132,111
baseline
▲ 0.50% · 4.625%
HK$139,075
+HK$6,964/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$264,222/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,443
−HK$8,243/mo
▼ 0.25% · 3.875%
HK$135,532
−HK$4,154/mo
Today · 4.125%
HK$139,686
baseline
▲ 0.50% · 4.625%
HK$148,185
+HK$8,499/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$279,372/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,229
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$150,151
−HK$3,978/mo
Today · 4.125%
HK$154,129
baseline
▲ 0.50% · 4.625%
HK$162,254
+HK$8,125/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$308,258/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,998
−HK$10,598/mo
▼ 0.25% · 3.875%
HK$174,255
−HK$5,341/mo
Today · 4.125%
HK$179,596
baseline
▲ 0.50% · 4.625%
HK$190,524
+HK$10,928/mo
Deposit HK$4.12M · loan HK$37.06M · min. income ≈ HK$359,192/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,009
−HK$10,157/mo
▼ 0.25% · 3.875%
HK$193,051
−HK$5,115/mo
Today · 4.125%
HK$198,166
baseline
▲ 0.50% · 4.625%
HK$208,612
+HK$10,446/mo
Deposit HK$4.12M · loan HK$37.06M · min. income ≈ HK$396,332/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,908 · Scale 2, in force from 26 Feb 2026)