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$94,857
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,807
−HK$2,998/mo
Today · 4.125%
HK$100,805
baseline
▲ 0.50% · 4.625%
HK$106,939
+HK$6,134/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$201,610/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,767,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,527
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,357
−HK$2,872/mo
Today · 4.125%
HK$111,229
baseline
▲ 0.50% · 4.625%
HK$117,092
+HK$5,863/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$222,458/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,767,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,828
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$117,369
−HK$3,597/mo
Today · 4.125%
HK$120,966
baseline
▲ 0.50% · 4.625%
HK$128,327
+HK$7,361/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$241,932/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,767,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,633
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$130,029
−HK$3,445/mo
Today · 4.125%
HK$133,474
baseline
▲ 0.50% · 4.625%
HK$140,510
+HK$7,036/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$266,948/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,767,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,800
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$136,930
−HK$4,197/mo
Today · 4.125%
HK$141,127
baseline
▲ 0.50% · 4.625%
HK$149,715
+HK$8,588/mo
Deposit HK$12.48M · loan HK$29.12M · min. income ≈ HK$282,254/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,767,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,738
−HK$7,982/mo
▼ 0.25% · 3.875%
HK$151,700
−HK$4,020/mo
Today · 4.125%
HK$155,720
baseline
▲ 0.50% · 4.625%
HK$163,928
+HK$8,208/mo
Deposit HK$12.48M · loan HK$29.12M · min. income ≈ HK$311,440/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,767,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,742
−HK$10,707/mo
▼ 0.25% · 3.875%
HK$176,053
−HK$5,396/mo
Today · 4.125%
HK$181,449
baseline
▲ 0.50% · 4.625%
HK$192,490
+HK$11,041/mo
Deposit HK$4.16M · loan HK$37.44M · min. income ≈ HK$362,898/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,949
−HK$10,262/mo
▼ 0.25% · 3.875%
HK$195,043
−HK$5,168/mo
Today · 4.125%
HK$200,211
baseline
▲ 0.50% · 4.625%
HK$210,765
+HK$10,554/mo
Deposit HK$4.16M · loan HK$37.44M · min. income ≈ HK$400,422/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,966 · Scale 2, in force from 26 Feb 2026)