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$92,256
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,126
−HK$2,916/mo
Today · 4.125%
HK$98,042
baseline
▲ 0.50% · 4.625%
HK$104,007
+HK$5,965/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$196,084/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,634
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$105,387
−HK$2,792/mo
Today · 4.125%
HK$108,179
baseline
▲ 0.50% · 4.625%
HK$113,882
+HK$5,703/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$216,358/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,708
−HK$6,942/mo
▼ 0.25% · 3.875%
HK$114,151
−HK$3,499/mo
Today · 4.125%
HK$117,650
baseline
▲ 0.50% · 4.625%
HK$124,809
+HK$7,159/mo
Deposit HK$16.18M · loan HK$24.28M · min. income ≈ HK$235,300/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,161
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$126,464
−HK$3,351/mo
Today · 4.125%
HK$129,815
baseline
▲ 0.50% · 4.625%
HK$136,658
+HK$6,843/mo
Deposit HK$16.18M · loan HK$24.28M · min. income ≈ HK$259,630/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,159
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$133,177
−HK$4,081/mo
Today · 4.125%
HK$137,258
baseline
▲ 0.50% · 4.625%
HK$145,610
+HK$8,352/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$274,516/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,688
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$147,542
−HK$3,909/mo
Today · 4.125%
HK$151,451
baseline
▲ 0.50% · 4.625%
HK$159,434
+HK$7,983/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$302,902/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,062
−HK$10,413/mo
▼ 0.25% · 3.875%
HK$171,227
−HK$5,248/mo
Today · 4.125%
HK$176,475
baseline
▲ 0.50% · 4.625%
HK$187,213
+HK$10,738/mo
Deposit HK$4.05M · loan HK$36.41M · min. income ≈ HK$352,950/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,719,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,742
−HK$9,981/mo
▼ 0.25% · 3.875%
HK$189,697
−HK$5,026/mo
Today · 4.125%
HK$194,723
baseline
▲ 0.50% · 4.625%
HK$204,987
+HK$10,264/mo
Deposit HK$4.05M · loan HK$36.41M · min. income ≈ HK$389,446/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,719,500 · Scale 2, in force from 26 Feb 2026)