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$94,163
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,092
−HK$2,976/mo
Today · 4.125%
HK$100,068
baseline
▲ 0.50% · 4.625%
HK$106,156
+HK$6,088/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$200,136/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,755,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,755
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,565
−HK$2,850/mo
Today · 4.125%
HK$110,415
baseline
▲ 0.50% · 4.625%
HK$116,235
+HK$5,820/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$220,830/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,755,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,995
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$116,510
−HK$3,571/mo
Today · 4.125%
HK$120,081
baseline
▲ 0.50% · 4.625%
HK$127,388
+HK$7,307/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$240,162/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,755,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,706
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,078
−HK$3,420/mo
Today · 4.125%
HK$132,498
baseline
▲ 0.50% · 4.625%
HK$139,482
+HK$6,984/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$264,996/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,755,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,828
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$135,928
−HK$4,167/mo
Today · 4.125%
HK$140,095
baseline
▲ 0.50% · 4.625%
HK$148,619
+HK$8,524/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$280,190/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,755,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,657
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$150,590
−HK$3,991/mo
Today · 4.125%
HK$154,581
baseline
▲ 0.50% · 4.625%
HK$162,729
+HK$8,148/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$309,162/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,755,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,493
−HK$10,629/mo
▼ 0.25% · 3.875%
HK$174,765
−HK$5,357/mo
Today · 4.125%
HK$180,122
baseline
▲ 0.50% · 4.625%
HK$191,082
+HK$10,960/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$360,244/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,755,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,559
−HK$10,188/mo
▼ 0.25% · 3.875%
HK$193,616
−HK$5,131/mo
Today · 4.125%
HK$198,747
baseline
▲ 0.50% · 4.625%
HK$209,223
+HK$10,476/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$397,494/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,755,030 · Scale 2, in force from 26 Feb 2026)