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$94,116
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,043
−HK$2,974/mo
Today · 4.125%
HK$100,017
baseline
▲ 0.50% · 4.625%
HK$106,103
+HK$6,086/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$200,034/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,754,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,703
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,511
−HK$2,848/mo
Today · 4.125%
HK$110,359
baseline
▲ 0.50% · 4.625%
HK$116,177
+HK$5,818/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$220,718/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,754,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,939
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$116,452
−HK$3,569/mo
Today · 4.125%
HK$120,021
baseline
▲ 0.50% · 4.625%
HK$127,324
+HK$7,303/mo
Deposit HK$16.51M · loan HK$24.76M · min. income ≈ HK$240,042/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,754,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,643
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$129,013
−HK$3,418/mo
Today · 4.125%
HK$132,431
baseline
▲ 0.50% · 4.625%
HK$139,412
+HK$6,981/mo
Deposit HK$16.51M · loan HK$24.76M · min. income ≈ HK$264,862/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,754,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,762
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$135,860
−HK$4,164/mo
Today · 4.125%
HK$140,024
baseline
▲ 0.50% · 4.625%
HK$148,545
+HK$8,521/mo
Deposit HK$12.38M · loan HK$28.89M · min. income ≈ HK$280,048/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,584
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$150,515
−HK$3,988/mo
Today · 4.125%
HK$154,503
baseline
▲ 0.50% · 4.625%
HK$162,647
+HK$8,144/mo
Deposit HK$12.38M · loan HK$28.89M · min. income ≈ HK$309,006/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,408
−HK$10,623/mo
▼ 0.25% · 3.875%
HK$174,678
−HK$5,353/mo
Today · 4.125%
HK$180,031
baseline
▲ 0.50% · 4.625%
HK$190,986
+HK$10,955/mo
Deposit HK$4.13M · loan HK$37.15M · min. income ≈ HK$360,062/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,465
−HK$10,182/mo
▼ 0.25% · 3.875%
HK$193,519
−HK$5,128/mo
Today · 4.125%
HK$198,647
baseline
▲ 0.50% · 4.625%
HK$209,118
+HK$10,471/mo
Deposit HK$4.13M · loan HK$37.15M · min. income ≈ HK$397,294/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,150 · Scale 2, in force from 26 Feb 2026)