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$94,323
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$97,257
−HK$2,981/mo
Today · 4.125%
HK$100,238
baseline
▲ 0.50% · 4.625%
HK$106,337
+HK$6,099/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$200,476/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,758,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,933
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$107,748
−HK$2,855/mo
Today · 4.125%
HK$110,603
baseline
▲ 0.50% · 4.625%
HK$116,433
+HK$5,830/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$221,206/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,758,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,188
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,708
−HK$3,578/mo
Today · 4.125%
HK$120,286
baseline
▲ 0.50% · 4.625%
HK$127,605
+HK$7,319/mo
Deposit HK$16.55M · loan HK$24.82M · min. income ≈ HK$240,572/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,758,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,920
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,297
−HK$3,426/mo
Today · 4.125%
HK$132,723
baseline
▲ 0.50% · 4.625%
HK$139,719
+HK$6,996/mo
Deposit HK$16.55M · loan HK$24.82M · min. income ≈ HK$265,446/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,758,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,052
−HK$8,281/mo
▼ 0.25% · 3.875%
HK$136,160
−HK$4,173/mo
Today · 4.125%
HK$140,333
baseline
▲ 0.50% · 4.625%
HK$148,872
+HK$8,539/mo
Deposit HK$12.41M · loan HK$28.96M · min. income ≈ HK$280,666/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,907
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$150,847
−HK$3,997/mo
Today · 4.125%
HK$154,844
baseline
▲ 0.50% · 4.625%
HK$163,006
+HK$8,162/mo
Deposit HK$12.41M · loan HK$28.96M · min. income ≈ HK$309,688/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,782
−HK$10,646/mo
▼ 0.25% · 3.875%
HK$175,063
−HK$5,365/mo
Today · 4.125%
HK$180,428
baseline
▲ 0.50% · 4.625%
HK$191,407
+HK$10,979/mo
Deposit HK$4.14M · loan HK$37.23M · min. income ≈ HK$360,856/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,758,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,880
−HK$10,205/mo
▼ 0.25% · 3.875%
HK$193,946
−HK$5,139/mo
Today · 4.125%
HK$199,085
baseline
▲ 0.50% · 4.625%
HK$209,579
+HK$10,494/mo
Deposit HK$4.14M · loan HK$37.23M · min. income ≈ HK$398,170/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,758,018 · Scale 2, in force from 26 Feb 2026)