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$94,856
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,806
−HK$2,998/mo
Today · 4.125%
HK$100,804
baseline
▲ 0.50% · 4.625%
HK$106,938
+HK$6,134/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$201,608/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,767,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,526
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,356
−HK$2,871/mo
Today · 4.125%
HK$111,227
baseline
▲ 0.50% · 4.625%
HK$117,090
+HK$5,863/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$222,454/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,767,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,827
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$117,368
−HK$3,597/mo
Today · 4.125%
HK$120,965
baseline
▲ 0.50% · 4.625%
HK$128,325
+HK$7,360/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$241,930/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,767,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,631
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$130,027
−HK$3,446/mo
Today · 4.125%
HK$133,473
baseline
▲ 0.50% · 4.625%
HK$140,508
+HK$7,035/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$266,946/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,767,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,798
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$136,929
−HK$4,197/mo
Today · 4.125%
HK$141,126
baseline
▲ 0.50% · 4.625%
HK$149,713
+HK$8,587/mo
Deposit HK$12.48M · loan HK$29.12M · min. income ≈ HK$282,252/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,767,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,736
−HK$7,982/mo
▼ 0.25% · 3.875%
HK$151,699
−HK$4,019/mo
Today · 4.125%
HK$155,718
baseline
▲ 0.50% · 4.625%
HK$163,926
+HK$8,208/mo
Deposit HK$12.48M · loan HK$29.12M · min. income ≈ HK$311,436/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,767,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,740
−HK$10,707/mo
▼ 0.25% · 3.875%
HK$176,051
−HK$5,396/mo
Today · 4.125%
HK$181,447
baseline
▲ 0.50% · 4.625%
HK$192,488
+HK$11,041/mo
Deposit HK$4.16M · loan HK$37.44M · min. income ≈ HK$362,894/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,947
−HK$10,262/mo
▼ 0.25% · 3.875%
HK$195,041
−HK$5,168/mo
Today · 4.125%
HK$200,209
baseline
▲ 0.50% · 4.625%
HK$210,762
+HK$10,553/mo
Deposit HK$4.16M · loan HK$37.44M · min. income ≈ HK$400,418/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,946 · Scale 2, in force from 26 Feb 2026)