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$93,249
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,150
−HK$2,947/mo
Today · 4.125%
HK$99,097
baseline
▲ 0.50% · 4.625%
HK$105,126
+HK$6,029/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$198,194/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,739
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$106,521
−HK$2,822/mo
Today · 4.125%
HK$109,343
baseline
▲ 0.50% · 4.625%
HK$115,107
+HK$5,764/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$218,686/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,899
−HK$7,017/mo
▼ 0.25% · 3.875%
HK$115,380
−HK$3,536/mo
Today · 4.125%
HK$118,916
baseline
▲ 0.50% · 4.625%
HK$126,152
+HK$7,236/mo
Deposit HK$16.36M · loan HK$24.54M · min. income ≈ HK$237,832/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,486
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$127,825
−HK$3,387/mo
Today · 4.125%
HK$131,212
baseline
▲ 0.50% · 4.625%
HK$138,128
+HK$6,916/mo
Deposit HK$16.36M · loan HK$24.54M · min. income ≈ HK$262,424/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,549
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$134,609
−HK$4,126/mo
Today · 4.125%
HK$138,735
baseline
▲ 0.50% · 4.625%
HK$147,177
+HK$8,442/mo
Deposit HK$12.27M · loan HK$28.63M · min. income ≈ HK$277,470/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,234
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$149,129
−HK$3,952/mo
Today · 4.125%
HK$153,081
baseline
▲ 0.50% · 4.625%
HK$161,150
+HK$8,069/mo
Deposit HK$12.27M · loan HK$28.63M · min. income ≈ HK$306,162/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,848
−HK$10,526/mo
▼ 0.25% · 3.875%
HK$173,069
−HK$5,305/mo
Today · 4.125%
HK$178,374
baseline
▲ 0.50% · 4.625%
HK$189,227
+HK$10,853/mo
Deposit HK$4.09M · loan HK$36.80M · min. income ≈ HK$356,748/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,729
−HK$10,089/mo
▼ 0.25% · 3.875%
HK$191,737
−HK$5,081/mo
Today · 4.125%
HK$196,818
baseline
▲ 0.50% · 4.625%
HK$207,192
+HK$10,374/mo
Deposit HK$4.09M · loan HK$36.80M · min. income ≈ HK$393,636/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,000 · Scale 2, in force from 26 Feb 2026)