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$109,983
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$113,405
−HK$3,475/mo
Today · 4.125%
HK$116,880
baseline
▲ 0.50% · 4.625%
HK$123,992
+HK$7,112/mo
Deposit HK$24.12M · loan HK$24.12M · min. income ≈ HK$233,760/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,049,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,356
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$125,637
−HK$3,329/mo
Today · 4.125%
HK$128,966
baseline
▲ 0.50% · 4.625%
HK$135,764
+HK$6,798/mo
Deposit HK$24.12M · loan HK$24.12M · min. income ≈ HK$257,932/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,049,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,980
−HK$8,276/mo
▼ 0.25% · 3.875%
HK$136,085
−HK$4,171/mo
Today · 4.125%
HK$140,256
baseline
▲ 0.50% · 4.625%
HK$148,791
+HK$8,535/mo
Deposit HK$19.29M · loan HK$28.94M · min. income ≈ HK$280,512/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$2,049,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,827
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$150,764
−HK$3,995/mo
Today · 4.125%
HK$154,759
baseline
▲ 0.50% · 4.625%
HK$162,917
+HK$8,158/mo
Deposit HK$19.29M · loan HK$28.94M · min. income ≈ HK$309,518/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$2,049,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,977
−HK$9,656/mo
▼ 0.25% · 3.875%
HK$158,766
−HK$4,867/mo
Today · 4.125%
HK$163,633
baseline
▲ 0.50% · 4.625%
HK$173,589
+HK$9,956/mo
Deposit HK$14.47M · loan HK$33.76M · min. income ≈ HK$327,266/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$2,049,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,298
−HK$9,254/mo
▼ 0.25% · 3.875%
HK$175,892
−HK$4,660/mo
Today · 4.125%
HK$180,552
baseline
▲ 0.50% · 4.625%
HK$190,070
+HK$9,518/mo
Deposit HK$14.47M · loan HK$33.76M · min. income ≈ HK$361,104/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$2,049,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,970
−HK$12,415/mo
▼ 0.25% · 3.875%
HK$204,128
−HK$6,257/mo
Today · 4.125%
HK$210,385
baseline
▲ 0.50% · 4.625%
HK$223,186
+HK$12,801/mo
Deposit HK$4.82M · loan HK$43.41M · min. income ≈ HK$420,770/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,049,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,240
−HK$11,899/mo
▼ 0.25% · 3.875%
HK$226,147
−HK$5,992/mo
Today · 4.125%
HK$232,139
baseline
▲ 0.50% · 4.625%
HK$244,375
+HK$12,236/mo
Deposit HK$4.82M · loan HK$43.41M · min. income ≈ HK$464,278/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,049,900 · Scale 2, in force from 26 Feb 2026)