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$94,936
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,889
−HK$3,000/mo
Today · 4.125%
HK$100,889
baseline
▲ 0.50% · 4.625%
HK$107,028
+HK$6,139/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$201,778/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,769,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,615
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,447
−HK$2,874/mo
Today · 4.125%
HK$111,321
baseline
▲ 0.50% · 4.625%
HK$117,189
+HK$5,868/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$222,642/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,769,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,923
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$117,466
−HK$3,601/mo
Today · 4.125%
HK$121,067
baseline
▲ 0.50% · 4.625%
HK$128,433
+HK$7,366/mo
Deposit HK$16.65M · loan HK$24.98M · min. income ≈ HK$242,134/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,769,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,738
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$130,137
−HK$3,448/mo
Today · 4.125%
HK$133,585
baseline
▲ 0.50% · 4.625%
HK$140,626
+HK$7,041/mo
Deposit HK$16.65M · loan HK$24.98M · min. income ≈ HK$267,170/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,769,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,910
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$137,044
−HK$4,200/mo
Today · 4.125%
HK$141,244
baseline
▲ 0.50% · 4.625%
HK$149,839
+HK$8,595/mo
Deposit HK$12.49M · loan HK$29.14M · min. income ≈ HK$282,488/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,861
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$151,826
−HK$4,023/mo
Today · 4.125%
HK$155,849
baseline
▲ 0.50% · 4.625%
HK$164,064
+HK$8,215/mo
Deposit HK$12.49M · loan HK$29.14M · min. income ≈ HK$311,698/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,884
−HK$10,716/mo
▼ 0.25% · 3.875%
HK$176,199
−HK$5,401/mo
Today · 4.125%
HK$181,600
baseline
▲ 0.50% · 4.625%
HK$192,650
+HK$11,050/mo
Deposit HK$4.16M · loan HK$37.47M · min. income ≈ HK$363,200/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,107
−HK$10,271/mo
▼ 0.25% · 3.875%
HK$195,205
−HK$5,173/mo
Today · 4.125%
HK$200,378
baseline
▲ 0.50% · 4.625%
HK$210,940
+HK$10,562/mo
Deposit HK$4.16M · loan HK$37.47M · min. income ≈ HK$400,756/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,433 · Scale 2, in force from 26 Feb 2026)