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$94,840
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,791
−HK$2,997/mo
Today · 4.125%
HK$100,788
baseline
▲ 0.50% · 4.625%
HK$106,920
+HK$6,132/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$201,576/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$1,767,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,509
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$108,339
−HK$2,870/mo
Today · 4.125%
HK$111,209
baseline
▲ 0.50% · 4.625%
HK$117,071
+HK$5,862/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$222,418/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$1,767,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,809
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$117,349
−HK$3,596/mo
Today · 4.125%
HK$120,945
baseline
▲ 0.50% · 4.625%
HK$128,305
+HK$7,360/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$241,890/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,767,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,611
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$130,006
−HK$3,445/mo
Today · 4.125%
HK$133,451
baseline
▲ 0.50% · 4.625%
HK$140,486
+HK$7,035/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$266,902/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,767,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,777
−HK$8,326/mo
▼ 0.25% · 3.875%
HK$136,907
−HK$4,196/mo
Today · 4.125%
HK$141,103
baseline
▲ 0.50% · 4.625%
HK$149,689
+HK$8,586/mo
Deposit HK$12.48M · loan HK$29.11M · min. income ≈ HK$282,206/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,767,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,713
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$151,674
−HK$4,019/mo
Today · 4.125%
HK$155,693
baseline
▲ 0.50% · 4.625%
HK$163,900
+HK$8,207/mo
Deposit HK$12.48M · loan HK$29.11M · min. income ≈ HK$311,386/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,767,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,713
−HK$10,705/mo
▼ 0.25% · 3.875%
HK$176,023
−HK$5,395/mo
Today · 4.125%
HK$181,418
baseline
▲ 0.50% · 4.625%
HK$192,457
+HK$11,039/mo
Deposit HK$4.16M · loan HK$37.43M · min. income ≈ HK$362,836/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,916
−HK$10,261/mo
▼ 0.25% · 3.875%
HK$195,010
−HK$5,167/mo
Today · 4.125%
HK$200,177
baseline
▲ 0.50% · 4.625%
HK$210,728
+HK$10,551/mo
Deposit HK$4.16M · loan HK$37.43M · min. income ≈ HK$400,354/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,661 · Scale 2, in force from 26 Feb 2026)