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$94,377
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,312
−HK$2,983/mo
Today · 4.125%
HK$100,295
baseline
▲ 0.50% · 4.625%
HK$106,398
+HK$6,103/mo
Deposit HK$20.69M · loan HK$20.69M · min. income ≈ HK$200,590/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$1,759,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,993
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$107,809
−HK$2,857/mo
Today · 4.125%
HK$110,666
baseline
▲ 0.50% · 4.625%
HK$116,499
+HK$5,833/mo
Deposit HK$20.69M · loan HK$20.69M · min. income ≈ HK$221,332/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$1,759,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,252
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$116,775
−HK$3,579/mo
Today · 4.125%
HK$120,354
baseline
▲ 0.50% · 4.625%
HK$127,677
+HK$7,323/mo
Deposit HK$16.56M · loan HK$24.83M · min. income ≈ HK$240,708/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,759,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,992
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$129,371
−HK$3,428/mo
Today · 4.125%
HK$132,799
baseline
▲ 0.50% · 4.625%
HK$139,799
+HK$7,000/mo
Deposit HK$16.56M · loan HK$24.83M · min. income ≈ HK$265,598/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,759,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,127
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$136,237
−HK$4,176/mo
Today · 4.125%
HK$140,413
baseline
▲ 0.50% · 4.625%
HK$148,957
+HK$8,544/mo
Deposit HK$12.42M · loan HK$28.97M · min. income ≈ HK$280,826/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,990
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$150,933
−HK$3,999/mo
Today · 4.125%
HK$154,932
baseline
▲ 0.50% · 4.625%
HK$163,099
+HK$8,167/mo
Deposit HK$12.42M · loan HK$28.97M · min. income ≈ HK$309,864/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,878
−HK$10,653/mo
▼ 0.25% · 3.875%
HK$175,162
−HK$5,369/mo
Today · 4.125%
HK$180,531
baseline
▲ 0.50% · 4.625%
HK$191,516
+HK$10,985/mo
Deposit HK$4.14M · loan HK$37.25M · min. income ≈ HK$361,062/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,988
−HK$10,210/mo
▼ 0.25% · 3.875%
HK$194,056
−HK$5,142/mo
Today · 4.125%
HK$199,198
baseline
▲ 0.50% · 4.625%
HK$209,698
+HK$10,500/mo
Deposit HK$4.14M · loan HK$37.25M · min. income ≈ HK$398,396/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,018 · Scale 2, in force from 26 Feb 2026)