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$94,844
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,794
−HK$2,998/mo
Today · 4.125%
HK$100,792
baseline
▲ 0.50% · 4.625%
HK$106,925
+HK$6,133/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$201,584/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$1,767,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,513
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,343
−HK$2,871/mo
Today · 4.125%
HK$111,214
baseline
▲ 0.50% · 4.625%
HK$117,076
+HK$5,862/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$222,428/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$1,767,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,813
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$117,353
−HK$3,597/mo
Today · 4.125%
HK$120,950
baseline
▲ 0.50% · 4.625%
HK$128,310
+HK$7,360/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$241,900/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,767,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,616
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$130,012
−HK$3,445/mo
Today · 4.125%
HK$133,457
baseline
▲ 0.50% · 4.625%
HK$140,491
+HK$7,034/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$266,914/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,767,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,782
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$136,912
−HK$4,197/mo
Today · 4.125%
HK$141,109
baseline
▲ 0.50% · 4.625%
HK$149,695
+HK$8,586/mo
Deposit HK$12.48M · loan HK$29.12M · min. income ≈ HK$282,218/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,767,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,719
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$151,680
−HK$4,019/mo
Today · 4.125%
HK$155,699
baseline
▲ 0.50% · 4.625%
HK$163,907
+HK$8,208/mo
Deposit HK$12.48M · loan HK$29.12M · min. income ≈ HK$311,398/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,767,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,720
−HK$10,705/mo
▼ 0.25% · 3.875%
HK$176,030
−HK$5,395/mo
Today · 4.125%
HK$181,425
baseline
▲ 0.50% · 4.625%
HK$192,465
+HK$11,040/mo
Deposit HK$4.16M · loan HK$37.43M · min. income ≈ HK$362,850/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,924
−HK$10,261/mo
▼ 0.25% · 3.875%
HK$195,018
−HK$5,167/mo
Today · 4.125%
HK$200,185
baseline
▲ 0.50% · 4.625%
HK$210,737
+HK$10,552/mo
Deposit HK$4.16M · loan HK$37.43M · min. income ≈ HK$400,370/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,733 · Scale 2, in force from 26 Feb 2026)