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$94,951
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$97,904
−HK$3,001/mo
Today · 4.125%
HK$100,905
baseline
▲ 0.50% · 4.625%
HK$107,045
+HK$6,140/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$201,810/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,769,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,632
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$108,465
−HK$2,874/mo
Today · 4.125%
HK$111,339
baseline
▲ 0.50% · 4.625%
HK$117,207
+HK$5,868/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$222,678/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,769,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,941
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$117,485
−HK$3,601/mo
Today · 4.125%
HK$121,086
baseline
▲ 0.50% · 4.625%
HK$128,454
+HK$7,368/mo
Deposit HK$16.66M · loan HK$24.98M · min. income ≈ HK$242,172/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,769,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,758
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$130,157
−HK$3,449/mo
Today · 4.125%
HK$133,606
baseline
▲ 0.50% · 4.625%
HK$140,649
+HK$7,043/mo
Deposit HK$16.66M · loan HK$24.98M · min. income ≈ HK$267,212/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,769,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,931
−HK$8,336/mo
▼ 0.25% · 3.875%
HK$137,066
−HK$4,201/mo
Today · 4.125%
HK$141,267
baseline
▲ 0.50% · 4.625%
HK$149,863
+HK$8,596/mo
Deposit HK$12.49M · loan HK$29.15M · min. income ≈ HK$282,534/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,884
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$151,850
−HK$4,024/mo
Today · 4.125%
HK$155,874
baseline
▲ 0.50% · 4.625%
HK$164,090
+HK$8,216/mo
Deposit HK$12.49M · loan HK$29.15M · min. income ≈ HK$311,748/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,911
−HK$10,718/mo
▼ 0.25% · 3.875%
HK$176,227
−HK$5,402/mo
Today · 4.125%
HK$181,629
baseline
▲ 0.50% · 4.625%
HK$192,680
+HK$11,051/mo
Deposit HK$4.16M · loan HK$37.48M · min. income ≈ HK$363,258/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,137
−HK$10,272/mo
▼ 0.25% · 3.875%
HK$195,236
−HK$5,173/mo
Today · 4.125%
HK$200,409
baseline
▲ 0.50% · 4.625%
HK$210,973
+HK$10,564/mo
Deposit HK$4.16M · loan HK$37.48M · min. income ≈ HK$400,818/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,714 · Scale 2, in force from 26 Feb 2026)