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$94,810
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,759
−HK$2,996/mo
Today · 4.125%
HK$100,755
baseline
▲ 0.50% · 4.625%
HK$106,886
+HK$6,131/mo
Deposit HK$20.79M · loan HK$20.79M · min. income ≈ HK$201,510/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$1,767,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,475
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,304
−HK$2,869/mo
Today · 4.125%
HK$111,173
baseline
▲ 0.50% · 4.625%
HK$117,034
+HK$5,861/mo
Deposit HK$20.79M · loan HK$20.79M · min. income ≈ HK$222,346/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$1,767,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,772
−HK$7,134/mo
▼ 0.25% · 3.875%
HK$117,311
−HK$3,595/mo
Today · 4.125%
HK$120,906
baseline
▲ 0.50% · 4.625%
HK$128,263
+HK$7,357/mo
Deposit HK$16.63M · loan HK$24.95M · min. income ≈ HK$241,812/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,767,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,570
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$129,965
−HK$3,443/mo
Today · 4.125%
HK$133,408
baseline
▲ 0.50% · 4.625%
HK$140,440
+HK$7,032/mo
Deposit HK$16.63M · loan HK$24.95M · min. income ≈ HK$266,816/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,767,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,734
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$136,863
−HK$4,194/mo
Today · 4.125%
HK$141,057
baseline
▲ 0.50% · 4.625%
HK$149,640
+HK$8,583/mo
Deposit HK$12.47M · loan HK$29.11M · min. income ≈ HK$282,114/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,767,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,665
−HK$7,978/mo
▼ 0.25% · 3.875%
HK$151,625
−HK$4,018/mo
Today · 4.125%
HK$155,643
baseline
▲ 0.50% · 4.625%
HK$163,847
+HK$8,204/mo
Deposit HK$12.47M · loan HK$29.11M · min. income ≈ HK$311,286/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,767,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,658
−HK$10,701/mo
▼ 0.25% · 3.875%
HK$175,966
−HK$5,393/mo
Today · 4.125%
HK$181,359
baseline
▲ 0.50% · 4.625%
HK$192,395
+HK$11,036/mo
Deposit HK$4.16M · loan HK$37.42M · min. income ≈ HK$362,718/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,767,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,855
−HK$10,257/mo
▼ 0.25% · 3.875%
HK$194,947
−HK$5,165/mo
Today · 4.125%
HK$200,112
baseline
▲ 0.50% · 4.625%
HK$210,660
+HK$10,548/mo
Deposit HK$4.16M · loan HK$37.42M · min. income ≈ HK$400,224/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,767,090 · Scale 2, in force from 26 Feb 2026)