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$96,930
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,945
−HK$3,063/mo
Today · 4.125%
HK$103,008
baseline
▲ 0.50% · 4.625%
HK$109,276
+HK$6,268/mo
Deposit HK$21.25M · loan HK$21.25M · min. income ≈ HK$206,016/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$1,806,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,834
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,726
−HK$2,934/mo
Today · 4.125%
HK$113,660
baseline
▲ 0.50% · 4.625%
HK$119,651
+HK$5,991/mo
Deposit HK$21.25M · loan HK$21.25M · min. income ≈ HK$227,320/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$1,806,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,316
−HK$7,294/mo
▼ 0.25% · 3.875%
HK$119,934
−HK$3,676/mo
Today · 4.125%
HK$123,610
baseline
▲ 0.50% · 4.625%
HK$131,131
+HK$7,521/mo
Deposit HK$17.00M · loan HK$25.51M · min. income ≈ HK$247,220/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,806,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,400
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$132,871
−HK$3,520/mo
Today · 4.125%
HK$136,391
baseline
▲ 0.50% · 4.625%
HK$143,581
+HK$7,190/mo
Deposit HK$17.00M · loan HK$25.51M · min. income ≈ HK$272,782/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,806,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,702
−HK$8,510/mo
▼ 0.25% · 3.875%
HK$139,923
−HK$4,289/mo
Today · 4.125%
HK$144,212
baseline
▲ 0.50% · 4.625%
HK$152,987
+HK$8,775/mo
Deposit HK$12.75M · loan HK$29.76M · min. income ≈ HK$288,424/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,806,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,967
−HK$8,156/mo
▼ 0.25% · 3.875%
HK$155,016
−HK$4,107/mo
Today · 4.125%
HK$159,123
baseline
▲ 0.50% · 4.625%
HK$167,511
+HK$8,388/mo
Deposit HK$12.75M · loan HK$29.76M · min. income ≈ HK$318,246/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,806,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,474
−HK$10,941/mo
▼ 0.25% · 3.875%
HK$179,901
−HK$5,514/mo
Today · 4.125%
HK$185,415
baseline
▲ 0.50% · 4.625%
HK$196,697
+HK$11,282/mo
Deposit HK$4.25M · loan HK$38.26M · min. income ≈ HK$370,830/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,806,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,100
−HK$10,487/mo
▼ 0.25% · 3.875%
HK$199,306
−HK$5,281/mo
Today · 4.125%
HK$204,587
baseline
▲ 0.50% · 4.625%
HK$215,371
+HK$10,784/mo
Deposit HK$4.25M · loan HK$38.26M · min. income ≈ HK$409,174/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,806,605 · Scale 2, in force from 26 Feb 2026)