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$94,105
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,032
−HK$2,974/mo
Today · 4.125%
HK$100,006
baseline
▲ 0.50% · 4.625%
HK$106,091
+HK$6,085/mo
Deposit HK$20.63M · loan HK$20.63M · min. income ≈ HK$200,012/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,753,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,691
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,499
−HK$2,848/mo
Today · 4.125%
HK$110,347
baseline
▲ 0.50% · 4.625%
HK$116,164
+HK$5,817/mo
Deposit HK$20.63M · loan HK$20.63M · min. income ≈ HK$220,694/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,753,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,926
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$116,439
−HK$3,569/mo
Today · 4.125%
HK$120,008
baseline
▲ 0.50% · 4.625%
HK$127,310
+HK$7,302/mo
Deposit HK$16.51M · loan HK$24.76M · min. income ≈ HK$240,016/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,753,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,629
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$128,998
−HK$3,418/mo
Today · 4.125%
HK$132,416
baseline
▲ 0.50% · 4.625%
HK$139,396
+HK$6,980/mo
Deposit HK$16.51M · loan HK$24.76M · min. income ≈ HK$264,832/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,753,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,747
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$135,845
−HK$4,164/mo
Today · 4.125%
HK$140,009
baseline
▲ 0.50% · 4.625%
HK$148,528
+HK$8,519/mo
Deposit HK$12.38M · loan HK$28.89M · min. income ≈ HK$280,018/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,753,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,567
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$150,498
−HK$3,988/mo
Today · 4.125%
HK$154,486
baseline
▲ 0.50% · 4.625%
HK$162,629
+HK$8,143/mo
Deposit HK$12.38M · loan HK$28.89M · min. income ≈ HK$308,972/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,753,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,389
−HK$10,622/mo
▼ 0.25% · 3.875%
HK$174,658
−HK$5,353/mo
Today · 4.125%
HK$180,011
baseline
▲ 0.50% · 4.625%
HK$190,965
+HK$10,954/mo
Deposit HK$4.13M · loan HK$37.14M · min. income ≈ HK$360,022/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,753,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,444
−HK$10,181/mo
▼ 0.25% · 3.875%
HK$193,498
−HK$5,127/mo
Today · 4.125%
HK$198,625
baseline
▲ 0.50% · 4.625%
HK$209,094
+HK$10,469/mo
Deposit HK$4.13M · loan HK$37.14M · min. income ≈ HK$397,250/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,753,954 · Scale 2, in force from 26 Feb 2026)