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$94,751
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$97,698
−HK$2,994/mo
Today · 4.125%
HK$100,692
baseline
▲ 0.50% · 4.625%
HK$106,819
+HK$6,127/mo
Deposit HK$20.78M · loan HK$20.78M · min. income ≈ HK$201,384/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$1,765,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,409
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$108,236
−HK$2,868/mo
Today · 4.125%
HK$111,104
baseline
▲ 0.50% · 4.625%
HK$116,960
+HK$5,856/mo
Deposit HK$20.78M · loan HK$20.78M · min. income ≈ HK$222,208/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$1,765,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,701
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$117,237
−HK$3,594/mo
Today · 4.125%
HK$120,831
baseline
▲ 0.50% · 4.625%
HK$128,183
+HK$7,352/mo
Deposit HK$16.62M · loan HK$24.93M · min. income ≈ HK$241,662/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,765,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,491
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$129,883
−HK$3,442/mo
Today · 4.125%
HK$133,325
baseline
▲ 0.50% · 4.625%
HK$140,353
+HK$7,028/mo
Deposit HK$16.62M · loan HK$24.93M · min. income ≈ HK$266,650/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,765,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,651
−HK$8,318/mo
▼ 0.25% · 3.875%
HK$136,777
−HK$4,192/mo
Today · 4.125%
HK$140,969
baseline
▲ 0.50% · 4.625%
HK$149,547
+HK$8,578/mo
Deposit HK$12.47M · loan HK$29.09M · min. income ≈ HK$281,938/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,765,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,573
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$151,531
−HK$4,015/mo
Today · 4.125%
HK$155,546
baseline
▲ 0.50% · 4.625%
HK$163,745
+HK$8,199/mo
Deposit HK$12.47M · loan HK$29.09M · min. income ≈ HK$311,092/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,765,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,551
−HK$10,695/mo
▼ 0.25% · 3.875%
HK$175,856
−HK$5,390/mo
Today · 4.125%
HK$181,246
baseline
▲ 0.50% · 4.625%
HK$192,275
+HK$11,029/mo
Deposit HK$4.16M · loan HK$37.40M · min. income ≈ HK$362,492/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,765,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,736
−HK$10,251/mo
▼ 0.25% · 3.875%
HK$194,825
−HK$5,162/mo
Today · 4.125%
HK$199,987
baseline
▲ 0.50% · 4.625%
HK$210,529
+HK$10,542/mo
Deposit HK$4.16M · loan HK$37.40M · min. income ≈ HK$399,974/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,765,986 · Scale 2, in force from 26 Feb 2026)