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$94,943
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$97,897
−HK$3,000/mo
Today · 4.125%
HK$100,897
baseline
▲ 0.50% · 4.625%
HK$107,036
+HK$6,139/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$201,794/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,769,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,623
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$108,456
−HK$2,874/mo
Today · 4.125%
HK$111,330
baseline
▲ 0.50% · 4.625%
HK$117,198
+HK$5,868/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$222,660/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,769,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,932
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$117,476
−HK$3,601/mo
Today · 4.125%
HK$121,077
baseline
▲ 0.50% · 4.625%
HK$128,444
+HK$7,367/mo
Deposit HK$16.65M · loan HK$24.98M · min. income ≈ HK$242,154/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,769,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,748
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$130,148
−HK$3,448/mo
Today · 4.125%
HK$133,596
baseline
▲ 0.50% · 4.625%
HK$140,638
+HK$7,042/mo
Deposit HK$16.65M · loan HK$24.98M · min. income ≈ HK$267,192/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,769,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,921
−HK$8,335/mo
▼ 0.25% · 3.875%
HK$137,055
−HK$4,201/mo
Today · 4.125%
HK$141,256
baseline
▲ 0.50% · 4.625%
HK$149,851
+HK$8,595/mo
Deposit HK$12.49M · loan HK$29.15M · min. income ≈ HK$282,512/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,873
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$151,839
−HK$4,023/mo
Today · 4.125%
HK$155,862
baseline
▲ 0.50% · 4.625%
HK$164,078
+HK$8,216/mo
Deposit HK$12.49M · loan HK$29.15M · min. income ≈ HK$311,724/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,898
−HK$10,717/mo
▼ 0.25% · 3.875%
HK$176,214
−HK$5,401/mo
Today · 4.125%
HK$181,615
baseline
▲ 0.50% · 4.625%
HK$192,666
+HK$11,051/mo
Deposit HK$4.16M · loan HK$37.47M · min. income ≈ HK$363,230/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,122
−HK$10,272/mo
▼ 0.25% · 3.875%
HK$195,221
−HK$5,173/mo
Today · 4.125%
HK$200,394
baseline
▲ 0.50% · 4.625%
HK$210,957
+HK$10,563/mo
Deposit HK$4.16M · loan HK$37.47M · min. income ≈ HK$400,788/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,578 · Scale 2, in force from 26 Feb 2026)