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$94,172
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,101
−HK$2,976/mo
Today · 4.125%
HK$100,077
baseline
▲ 0.50% · 4.625%
HK$106,167
+HK$6,090/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$200,154/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,755,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,765
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,575
−HK$2,850/mo
Today · 4.125%
HK$110,425
baseline
▲ 0.50% · 4.625%
HK$116,246
+HK$5,821/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$220,850/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,755,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,006
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,521
−HK$3,572/mo
Today · 4.125%
HK$120,093
baseline
▲ 0.50% · 4.625%
HK$127,400
+HK$7,307/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$240,186/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,755,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,718
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$129,090
−HK$3,421/mo
Today · 4.125%
HK$132,511
baseline
▲ 0.50% · 4.625%
HK$139,495
+HK$6,984/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$265,022/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,755,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,841
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$135,942
−HK$4,166/mo
Today · 4.125%
HK$140,108
baseline
▲ 0.50% · 4.625%
HK$148,633
+HK$8,525/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$280,216/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,755,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,671
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$150,605
−HK$3,991/mo
Today · 4.125%
HK$154,596
baseline
▲ 0.50% · 4.625%
HK$162,745
+HK$8,149/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$309,192/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,755,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,509
−HK$10,630/mo
▼ 0.25% · 3.875%
HK$174,782
−HK$5,357/mo
Today · 4.125%
HK$180,139
baseline
▲ 0.50% · 4.625%
HK$191,100
+HK$10,961/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$360,278/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,578
−HK$10,188/mo
▼ 0.25% · 3.875%
HK$193,635
−HK$5,131/mo
Today · 4.125%
HK$198,766
baseline
▲ 0.50% · 4.625%
HK$209,243
+HK$10,477/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$397,532/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,200 · Scale 2, in force from 26 Feb 2026)