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$94,821
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$97,771
−HK$2,996/mo
Today · 4.125%
HK$100,767
baseline
▲ 0.50% · 4.625%
HK$106,899
+HK$6,132/mo
Deposit HK$20.79M · loan HK$20.79M · min. income ≈ HK$201,534/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$1,767,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,488
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,317
−HK$2,870/mo
Today · 4.125%
HK$111,187
baseline
▲ 0.50% · 4.625%
HK$117,048
+HK$5,861/mo
Deposit HK$20.79M · loan HK$20.79M · min. income ≈ HK$222,374/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$1,767,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,785
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$117,325
−HK$3,596/mo
Today · 4.125%
HK$120,921
baseline
▲ 0.50% · 4.625%
HK$128,279
+HK$7,358/mo
Deposit HK$16.63M · loan HK$24.95M · min. income ≈ HK$241,842/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,767,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,585
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$129,980
−HK$3,444/mo
Today · 4.125%
HK$133,424
baseline
▲ 0.50% · 4.625%
HK$140,457
+HK$7,033/mo
Deposit HK$16.63M · loan HK$24.95M · min. income ≈ HK$266,848/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,767,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,750
−HK$8,324/mo
▼ 0.25% · 3.875%
HK$136,879
−HK$4,195/mo
Today · 4.125%
HK$141,074
baseline
▲ 0.50% · 4.625%
HK$149,658
+HK$8,584/mo
Deposit HK$12.48M · loan HK$29.11M · min. income ≈ HK$282,148/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,767,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,683
−HK$7,979/mo
▼ 0.25% · 3.875%
HK$151,643
−HK$4,019/mo
Today · 4.125%
HK$155,662
baseline
▲ 0.50% · 4.625%
HK$163,867
+HK$8,205/mo
Deposit HK$12.48M · loan HK$29.11M · min. income ≈ HK$311,324/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,767,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,678
−HK$10,703/mo
▼ 0.25% · 3.875%
HK$175,987
−HK$5,394/mo
Today · 4.125%
HK$181,381
baseline
▲ 0.50% · 4.625%
HK$192,418
+HK$11,037/mo
Deposit HK$4.16M · loan HK$37.43M · min. income ≈ HK$362,762/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,878
−HK$10,258/mo
▼ 0.25% · 3.875%
HK$194,970
−HK$5,166/mo
Today · 4.125%
HK$200,136
baseline
▲ 0.50% · 4.625%
HK$210,686
+HK$10,550/mo
Deposit HK$4.16M · loan HK$37.43M · min. income ≈ HK$400,272/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,302 · Scale 2, in force from 26 Feb 2026)