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$107,294
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,631
−HK$3,391/mo
Today · 4.125%
HK$114,022
baseline
▲ 0.50% · 4.625%
HK$120,960
+HK$6,938/mo
Deposit HK$23.53M · loan HK$23.53M · min. income ≈ HK$228,044/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$1,999,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,363
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,564
−HK$3,248/mo
Today · 4.125%
HK$125,812
baseline
▲ 0.50% · 4.625%
HK$132,444
+HK$6,632/mo
Deposit HK$23.53M · loan HK$23.53M · min. income ≈ HK$251,624/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$1,999,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,752
−HK$8,074/mo
▼ 0.25% · 3.875%
HK$132,757
−HK$4,069/mo
Today · 4.125%
HK$136,826
baseline
▲ 0.50% · 4.625%
HK$145,152
+HK$8,326/mo
Deposit HK$18.82M · loan HK$28.23M · min. income ≈ HK$273,652/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,999,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,236
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$147,077
−HK$3,897/mo
Today · 4.125%
HK$150,974
baseline
▲ 0.50% · 4.625%
HK$158,932
+HK$7,958/mo
Deposit HK$18.82M · loan HK$28.23M · min. income ≈ HK$301,948/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,999,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,211
−HK$9,420/mo
▼ 0.25% · 3.875%
HK$154,883
−HK$4,748/mo
Today · 4.125%
HK$159,631
baseline
▲ 0.50% · 4.625%
HK$169,344
+HK$9,713/mo
Deposit HK$14.12M · loan HK$32.94M · min. income ≈ HK$319,262/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,999,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,108
−HK$9,029/mo
▼ 0.25% · 3.875%
HK$171,590
−HK$4,547/mo
Today · 4.125%
HK$176,137
baseline
▲ 0.50% · 4.625%
HK$185,421
+HK$9,284/mo
Deposit HK$14.12M · loan HK$32.94M · min. income ≈ HK$352,274/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,999,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,128
−HK$12,111/mo
▼ 0.25% · 3.875%
HK$199,136
−HK$6,103/mo
Today · 4.125%
HK$205,239
baseline
▲ 0.50% · 4.625%
HK$217,728
+HK$12,489/mo
Deposit HK$4.71M · loan HK$42.35M · min. income ≈ HK$410,478/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$1,999,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,853
−HK$11,608/mo
▼ 0.25% · 3.875%
HK$220,616
−HK$5,845/mo
Today · 4.125%
HK$226,461
baseline
▲ 0.50% · 4.625%
HK$238,398
+HK$11,937/mo
Deposit HK$4.71M · loan HK$42.35M · min. income ≈ HK$452,922/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$1,999,765 · Scale 2, in force from 26 Feb 2026)