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$94,254
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$97,185
−HK$2,979/mo
Today · 4.125%
HK$100,164
baseline
▲ 0.50% · 4.625%
HK$106,259
+HK$6,095/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$200,328/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,856
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$107,668
−HK$2,853/mo
Today · 4.125%
HK$110,521
baseline
▲ 0.50% · 4.625%
HK$116,347
+HK$5,826/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$221,042/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,104
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,623
−HK$3,574/mo
Today · 4.125%
HK$120,197
baseline
▲ 0.50% · 4.625%
HK$127,511
+HK$7,314/mo
Deposit HK$16.53M · loan HK$24.80M · min. income ≈ HK$240,394/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,756,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,827
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$129,202
−HK$3,424/mo
Today · 4.125%
HK$132,626
baseline
▲ 0.50% · 4.625%
HK$139,616
+HK$6,990/mo
Deposit HK$16.53M · loan HK$24.80M · min. income ≈ HK$265,252/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,756,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,955
−HK$8,275/mo
▼ 0.25% · 3.875%
HK$136,060
−HK$4,170/mo
Today · 4.125%
HK$140,230
baseline
▲ 0.50% · 4.625%
HK$148,762
+HK$8,532/mo
Deposit HK$12.40M · loan HK$28.93M · min. income ≈ HK$280,460/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,756,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,799
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$150,736
−HK$3,994/mo
Today · 4.125%
HK$154,730
baseline
▲ 0.50% · 4.625%
HK$162,886
+HK$8,156/mo
Deposit HK$12.40M · loan HK$28.93M · min. income ≈ HK$309,460/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,756,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,657
−HK$10,639/mo
▼ 0.25% · 3.875%
HK$174,934
−HK$5,362/mo
Today · 4.125%
HK$180,296
baseline
▲ 0.50% · 4.625%
HK$191,266
+HK$10,970/mo
Deposit HK$4.13M · loan HK$37.20M · min. income ≈ HK$360,592/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,741
−HK$10,197/mo
▼ 0.25% · 3.875%
HK$193,803
−HK$5,135/mo
Today · 4.125%
HK$198,938
baseline
▲ 0.50% · 4.625%
HK$209,425
+HK$10,487/mo
Deposit HK$4.13M · loan HK$37.20M · min. income ≈ HK$397,876/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,724 · Scale 2, in force from 26 Feb 2026)