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$107,305
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,642
−HK$3,391/mo
Today · 4.125%
HK$114,033
baseline
▲ 0.50% · 4.625%
HK$120,972
+HK$6,939/mo
Deposit HK$23.53M · loan HK$23.53M · min. income ≈ HK$228,066/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$1,999,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,375
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,577
−HK$3,248/mo
Today · 4.125%
HK$125,825
baseline
▲ 0.50% · 4.625%
HK$132,457
+HK$6,632/mo
Deposit HK$23.53M · loan HK$23.53M · min. income ≈ HK$251,650/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$1,999,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,765
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$132,771
−HK$4,069/mo
Today · 4.125%
HK$136,840
baseline
▲ 0.50% · 4.625%
HK$145,167
+HK$8,327/mo
Deposit HK$18.82M · loan HK$28.23M · min. income ≈ HK$273,680/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,999,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,250
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$147,092
−HK$3,898/mo
Today · 4.125%
HK$150,990
baseline
▲ 0.50% · 4.625%
HK$158,949
+HK$7,959/mo
Deposit HK$18.82M · loan HK$28.23M · min. income ≈ HK$301,980/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,999,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,226
−HK$9,421/mo
▼ 0.25% · 3.875%
HK$154,899
−HK$4,748/mo
Today · 4.125%
HK$159,647
baseline
▲ 0.50% · 4.625%
HK$169,361
+HK$9,714/mo
Deposit HK$14.12M · loan HK$32.94M · min. income ≈ HK$319,294/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,999,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,125
−HK$9,030/mo
▼ 0.25% · 3.875%
HK$171,608
−HK$4,547/mo
Today · 4.125%
HK$176,155
baseline
▲ 0.50% · 4.625%
HK$185,440
+HK$9,285/mo
Deposit HK$14.12M · loan HK$32.94M · min. income ≈ HK$352,310/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,999,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,148
−HK$12,112/mo
▼ 0.25% · 3.875%
HK$199,156
−HK$6,104/mo
Today · 4.125%
HK$205,260
baseline
▲ 0.50% · 4.625%
HK$217,750
+HK$12,490/mo
Deposit HK$4.71M · loan HK$42.35M · min. income ≈ HK$410,520/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$1,999,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,875
−HK$11,609/mo
▼ 0.25% · 3.875%
HK$220,638
−HK$5,846/mo
Today · 4.125%
HK$226,484
baseline
▲ 0.50% · 4.625%
HK$238,423
+HK$11,939/mo
Deposit HK$4.71M · loan HK$42.35M · min. income ≈ HK$452,968/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$1,999,970 · Scale 2, in force from 26 Feb 2026)