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$94,916
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$97,869
−HK$2,999/mo
Today · 4.125%
HK$100,868
baseline
▲ 0.50% · 4.625%
HK$107,006
+HK$6,138/mo
Deposit HK$20.81M · loan HK$20.81M · min. income ≈ HK$201,736/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$1,769,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,593
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$108,425
−HK$2,873/mo
Today · 4.125%
HK$111,298
baseline
▲ 0.50% · 4.625%
HK$117,165
+HK$5,867/mo
Deposit HK$20.81M · loan HK$20.81M · min. income ≈ HK$222,596/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$1,769,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,900
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$117,442
−HK$3,600/mo
Today · 4.125%
HK$121,042
baseline
▲ 0.50% · 4.625%
HK$128,407
+HK$7,365/mo
Deposit HK$16.65M · loan HK$24.98M · min. income ≈ HK$242,084/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,769,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,712
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$130,110
−HK$3,448/mo
Today · 4.125%
HK$133,558
baseline
▲ 0.50% · 4.625%
HK$140,598
+HK$7,040/mo
Deposit HK$16.65M · loan HK$24.98M · min. income ≈ HK$267,116/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,769,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,883
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$137,016
−HK$4,200/mo
Today · 4.125%
HK$141,216
baseline
▲ 0.50% · 4.625%
HK$149,808
+HK$8,592/mo
Deposit HK$12.49M · loan HK$29.14M · min. income ≈ HK$282,432/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,831
−HK$7,987/mo
▼ 0.25% · 3.875%
HK$151,796
−HK$4,022/mo
Today · 4.125%
HK$155,818
baseline
▲ 0.50% · 4.625%
HK$164,031
+HK$8,213/mo
Deposit HK$12.49M · loan HK$29.14M · min. income ≈ HK$311,636/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,849
−HK$10,714/mo
▼ 0.25% · 3.875%
HK$176,164
−HK$5,399/mo
Today · 4.125%
HK$181,563
baseline
▲ 0.50% · 4.625%
HK$192,611
+HK$11,048/mo
Deposit HK$4.16M · loan HK$37.46M · min. income ≈ HK$363,126/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,068
−HK$10,269/mo
▼ 0.25% · 3.875%
HK$195,166
−HK$5,171/mo
Today · 4.125%
HK$200,337
baseline
▲ 0.50% · 4.625%
HK$210,897
+HK$10,560/mo
Deposit HK$4.16M · loan HK$37.46M · min. income ≈ HK$400,674/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,075 · Scale 2, in force from 26 Feb 2026)