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$94,852
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,802
−HK$2,998/mo
Today · 4.125%
HK$100,800
baseline
▲ 0.50% · 4.625%
HK$106,933
+HK$6,133/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$201,600/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,767,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,521
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,351
−HK$2,871/mo
Today · 4.125%
HK$111,222
baseline
▲ 0.50% · 4.625%
HK$117,085
+HK$5,863/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$222,444/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,767,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,822
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$117,362
−HK$3,598/mo
Today · 4.125%
HK$120,960
baseline
▲ 0.50% · 4.625%
HK$128,320
+HK$7,360/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$241,920/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,767,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,626
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$130,022
−HK$3,445/mo
Today · 4.125%
HK$133,467
baseline
▲ 0.50% · 4.625%
HK$140,502
+HK$7,035/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$266,934/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,767,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,792
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$136,923
−HK$4,196/mo
Today · 4.125%
HK$141,119
baseline
▲ 0.50% · 4.625%
HK$149,706
+HK$8,587/mo
Deposit HK$12.48M · loan HK$29.12M · min. income ≈ HK$282,238/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,767,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,730
−HK$7,981/mo
▼ 0.25% · 3.875%
HK$151,692
−HK$4,019/mo
Today · 4.125%
HK$155,711
baseline
▲ 0.50% · 4.625%
HK$163,919
+HK$8,208/mo
Deposit HK$12.48M · loan HK$29.12M · min. income ≈ HK$311,422/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,767,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,733
−HK$10,706/mo
▼ 0.25% · 3.875%
HK$176,044
−HK$5,395/mo
Today · 4.125%
HK$181,439
baseline
▲ 0.50% · 4.625%
HK$192,479
+HK$11,040/mo
Deposit HK$4.16M · loan HK$37.44M · min. income ≈ HK$362,878/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,939
−HK$10,261/mo
▼ 0.25% · 3.875%
HK$195,033
−HK$5,167/mo
Today · 4.125%
HK$200,200
baseline
▲ 0.50% · 4.625%
HK$210,753
+HK$10,553/mo
Deposit HK$4.16M · loan HK$37.44M · min. income ≈ HK$400,400/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,869 · Scale 2, in force from 26 Feb 2026)