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$95,793
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,773
−HK$3,027/mo
Today · 4.125%
HK$101,800
baseline
▲ 0.50% · 4.625%
HK$107,994
+HK$6,194/mo
Deposit HK$21.00M · loan HK$21.00M · min. income ≈ HK$203,600/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$1,785,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,569
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,427
−HK$2,899/mo
Today · 4.125%
HK$112,326
baseline
▲ 0.50% · 4.625%
HK$118,247
+HK$5,921/mo
Deposit HK$21.00M · loan HK$21.00M · min. income ≈ HK$224,652/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$1,785,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,951
−HK$7,209/mo
▼ 0.25% · 3.875%
HK$118,527
−HK$3,633/mo
Today · 4.125%
HK$122,160
baseline
▲ 0.50% · 4.625%
HK$129,593
+HK$7,433/mo
Deposit HK$16.80M · loan HK$25.21M · min. income ≈ HK$244,320/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,882
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$131,312
−HK$3,479/mo
Today · 4.125%
HK$134,791
baseline
▲ 0.50% · 4.625%
HK$141,896
+HK$7,105/mo
Deposit HK$16.80M · loan HK$25.21M · min. income ≈ HK$269,582/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,110
−HK$8,410/mo
▼ 0.25% · 3.875%
HK$138,282
−HK$4,238/mo
Today · 4.125%
HK$142,520
baseline
▲ 0.50% · 4.625%
HK$151,192
+HK$8,672/mo
Deposit HK$12.60M · loan HK$29.41M · min. income ≈ HK$285,040/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,196
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$153,197
−HK$4,060/mo
Today · 4.125%
HK$157,257
baseline
▲ 0.50% · 4.625%
HK$165,546
+HK$8,289/mo
Deposit HK$12.60M · loan HK$29.41M · min. income ≈ HK$314,514/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,427
−HK$10,813/mo
▼ 0.25% · 3.875%
HK$177,791
−HK$5,449/mo
Today · 4.125%
HK$183,240
baseline
▲ 0.50% · 4.625%
HK$194,389
+HK$11,149/mo
Deposit HK$4.20M · loan HK$37.81M · min. income ≈ HK$366,480/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,823
−HK$10,364/mo
▼ 0.25% · 3.875%
HK$196,968
−HK$5,219/mo
Today · 4.125%
HK$202,187
baseline
▲ 0.50% · 4.625%
HK$212,845
+HK$10,658/mo
Deposit HK$4.20M · loan HK$37.81M · min. income ≈ HK$404,374/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,411 · Scale 2, in force from 26 Feb 2026)