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$93,943
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$96,865
−HK$2,969/mo
Today · 4.125%
HK$99,834
baseline
▲ 0.50% · 4.625%
HK$105,909
+HK$6,075/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$199,668/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,750,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,511
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$107,314
−HK$2,843/mo
Today · 4.125%
HK$110,157
baseline
▲ 0.50% · 4.625%
HK$115,964
+HK$5,807/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$220,314/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,750,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,732
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$116,238
−HK$3,563/mo
Today · 4.125%
HK$119,801
baseline
▲ 0.50% · 4.625%
HK$127,091
+HK$7,290/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$239,602/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,750,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,413
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$128,777
−HK$3,412/mo
Today · 4.125%
HK$132,189
baseline
▲ 0.50% · 4.625%
HK$139,157
+HK$6,968/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$264,378/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,750,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,521
−HK$8,247/mo
▼ 0.25% · 3.875%
HK$135,612
−HK$4,156/mo
Today · 4.125%
HK$139,768
baseline
▲ 0.50% · 4.625%
HK$148,273
+HK$8,505/mo
Deposit HK$12.36M · loan HK$28.84M · min. income ≈ HK$279,536/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,315
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$150,239
−HK$3,981/mo
Today · 4.125%
HK$154,220
baseline
▲ 0.50% · 4.625%
HK$162,349
+HK$8,129/mo
Deposit HK$12.36M · loan HK$28.84M · min. income ≈ HK$308,440/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,098
−HK$10,604/mo
▼ 0.25% · 3.875%
HK$174,358
−HK$5,344/mo
Today · 4.125%
HK$179,702
baseline
▲ 0.50% · 4.625%
HK$190,636
+HK$10,934/mo
Deposit HK$4.12M · loan HK$37.08M · min. income ≈ HK$359,404/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,120
−HK$10,163/mo
▼ 0.25% · 3.875%
HK$193,165
−HK$5,118/mo
Today · 4.125%
HK$198,283
baseline
▲ 0.50% · 4.625%
HK$208,735
+HK$10,452/mo
Deposit HK$4.12M · loan HK$37.08M · min. income ≈ HK$396,566/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,938 · Scale 2, in force from 26 Feb 2026)