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$95,776
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,755
−HK$3,027/mo
Today · 4.125%
HK$101,782
baseline
▲ 0.50% · 4.625%
HK$107,975
+HK$6,193/mo
Deposit HK$21.00M · loan HK$21.00M · min. income ≈ HK$203,564/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$1,785,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,550
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$109,408
−HK$2,898/mo
Today · 4.125%
HK$112,306
baseline
▲ 0.50% · 4.625%
HK$118,226
+HK$5,920/mo
Deposit HK$21.00M · loan HK$21.00M · min. income ≈ HK$224,612/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$1,785,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,931
−HK$7,207/mo
▼ 0.25% · 3.875%
HK$118,506
−HK$3,632/mo
Today · 4.125%
HK$122,138
baseline
▲ 0.50% · 4.625%
HK$129,570
+HK$7,432/mo
Deposit HK$16.80M · loan HK$25.20M · min. income ≈ HK$244,276/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,860
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$131,289
−HK$3,479/mo
Today · 4.125%
HK$134,768
baseline
▲ 0.50% · 4.625%
HK$141,872
+HK$7,104/mo
Deposit HK$16.80M · loan HK$25.20M · min. income ≈ HK$269,536/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,087
−HK$8,408/mo
▼ 0.25% · 3.875%
HK$138,257
−HK$4,238/mo
Today · 4.125%
HK$142,495
baseline
▲ 0.50% · 4.625%
HK$151,165
+HK$8,670/mo
Deposit HK$12.60M · loan HK$29.40M · min. income ≈ HK$284,990/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,170
−HK$8,059/mo
▼ 0.25% · 3.875%
HK$153,171
−HK$4,058/mo
Today · 4.125%
HK$157,229
baseline
▲ 0.50% · 4.625%
HK$165,517
+HK$8,288/mo
Deposit HK$12.60M · loan HK$29.40M · min. income ≈ HK$314,458/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,397
−HK$10,811/mo
▼ 0.25% · 3.875%
HK$177,759
−HK$5,449/mo
Today · 4.125%
HK$183,208
baseline
▲ 0.50% · 4.625%
HK$194,356
+HK$11,148/mo
Deposit HK$4.20M · loan HK$37.80M · min. income ≈ HK$366,416/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,790
−HK$10,362/mo
▼ 0.25% · 3.875%
HK$196,934
−HK$5,218/mo
Today · 4.125%
HK$202,152
baseline
▲ 0.50% · 4.625%
HK$212,807
+HK$10,655/mo
Deposit HK$4.20M · loan HK$37.80M · min. income ≈ HK$404,304/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,099 · Scale 2, in force from 26 Feb 2026)