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$94,938
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,891
−HK$3,000/mo
Today · 4.125%
HK$100,891
baseline
▲ 0.50% · 4.625%
HK$107,030
+HK$6,139/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$201,782/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,769,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,618
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,450
−HK$2,874/mo
Today · 4.125%
HK$111,324
baseline
▲ 0.50% · 4.625%
HK$117,192
+HK$5,868/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$222,648/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,769,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,926
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$117,469
−HK$3,601/mo
Today · 4.125%
HK$121,070
baseline
▲ 0.50% · 4.625%
HK$128,437
+HK$7,367/mo
Deposit HK$16.65M · loan HK$24.98M · min. income ≈ HK$242,140/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,769,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,741
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$130,140
−HK$3,449/mo
Today · 4.125%
HK$133,589
baseline
▲ 0.50% · 4.625%
HK$140,630
+HK$7,041/mo
Deposit HK$16.65M · loan HK$24.98M · min. income ≈ HK$267,178/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,769,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,913
−HK$8,335/mo
▼ 0.25% · 3.875%
HK$137,048
−HK$4,200/mo
Today · 4.125%
HK$141,248
baseline
▲ 0.50% · 4.625%
HK$149,843
+HK$8,595/mo
Deposit HK$12.49M · loan HK$29.14M · min. income ≈ HK$282,496/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,865
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$151,830
−HK$4,023/mo
Today · 4.125%
HK$155,853
baseline
▲ 0.50% · 4.625%
HK$164,069
+HK$8,216/mo
Deposit HK$12.49M · loan HK$29.14M · min. income ≈ HK$311,706/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,888
−HK$10,717/mo
▼ 0.25% · 3.875%
HK$176,204
−HK$5,401/mo
Today · 4.125%
HK$181,605
baseline
▲ 0.50% · 4.625%
HK$192,655
+HK$11,050/mo
Deposit HK$4.16M · loan HK$37.47M · min. income ≈ HK$363,210/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,112
−HK$10,271/mo
▼ 0.25% · 3.875%
HK$195,210
−HK$5,173/mo
Today · 4.125%
HK$200,383
baseline
▲ 0.50% · 4.625%
HK$210,945
+HK$10,562/mo
Deposit HK$4.16M · loan HK$37.47M · min. income ≈ HK$400,766/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,480 · Scale 2, in force from 26 Feb 2026)