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$94,949
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$97,902
−HK$3,001/mo
Today · 4.125%
HK$100,903
baseline
▲ 0.50% · 4.625%
HK$107,043
+HK$6,140/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$201,806/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,769,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,630
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,463
−HK$2,873/mo
Today · 4.125%
HK$111,336
baseline
▲ 0.50% · 4.625%
HK$117,205
+HK$5,869/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$222,672/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,769,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,939
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$117,483
−HK$3,601/mo
Today · 4.125%
HK$121,084
baseline
▲ 0.50% · 4.625%
HK$128,451
+HK$7,367/mo
Deposit HK$16.66M · loan HK$24.98M · min. income ≈ HK$242,168/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,769,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,756
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$130,155
−HK$3,449/mo
Today · 4.125%
HK$133,604
baseline
▲ 0.50% · 4.625%
HK$140,646
+HK$7,042/mo
Deposit HK$16.66M · loan HK$24.98M · min. income ≈ HK$267,208/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,769,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,928
−HK$8,336/mo
▼ 0.25% · 3.875%
HK$137,063
−HK$4,201/mo
Today · 4.125%
HK$141,264
baseline
▲ 0.50% · 4.625%
HK$149,860
+HK$8,596/mo
Deposit HK$12.49M · loan HK$29.15M · min. income ≈ HK$282,528/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,881
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$151,848
−HK$4,023/mo
Today · 4.125%
HK$155,871
baseline
▲ 0.50% · 4.625%
HK$164,087
+HK$8,216/mo
Deposit HK$12.49M · loan HK$29.15M · min. income ≈ HK$311,742/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,908
−HK$10,717/mo
▼ 0.25% · 3.875%
HK$176,224
−HK$5,401/mo
Today · 4.125%
HK$181,625
baseline
▲ 0.50% · 4.625%
HK$192,677
+HK$11,052/mo
Deposit HK$4.16M · loan HK$37.48M · min. income ≈ HK$363,250/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,133
−HK$10,273/mo
▼ 0.25% · 3.875%
HK$195,233
−HK$5,173/mo
Today · 4.125%
HK$200,406
baseline
▲ 0.50% · 4.625%
HK$210,969
+HK$10,563/mo
Deposit HK$4.16M · loan HK$37.48M · min. income ≈ HK$400,812/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,680 · Scale 2, in force from 26 Feb 2026)