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$95,750
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$98,728
−HK$3,026/mo
Today · 4.125%
HK$101,754
baseline
▲ 0.50% · 4.625%
HK$107,946
+HK$6,192/mo
Deposit HK$21.00M · loan HK$21.00M · min. income ≈ HK$203,508/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$1,784,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,521
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,378
−HK$2,898/mo
Today · 4.125%
HK$112,276
baseline
▲ 0.50% · 4.625%
HK$118,194
+HK$5,918/mo
Deposit HK$21.00M · loan HK$21.00M · min. income ≈ HK$224,552/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$1,784,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,900
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$118,474
−HK$3,631/mo
Today · 4.125%
HK$122,105
baseline
▲ 0.50% · 4.625%
HK$129,535
+HK$7,430/mo
Deposit HK$16.80M · loan HK$25.19M · min. income ≈ HK$244,210/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,784,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,825
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$131,253
−HK$3,478/mo
Today · 4.125%
HK$134,731
baseline
▲ 0.50% · 4.625%
HK$141,833
+HK$7,102/mo
Deposit HK$16.80M · loan HK$25.19M · min. income ≈ HK$269,462/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,784,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,050
−HK$8,406/mo
▼ 0.25% · 3.875%
HK$138,220
−HK$4,236/mo
Today · 4.125%
HK$142,456
baseline
▲ 0.50% · 4.625%
HK$151,124
+HK$8,668/mo
Deposit HK$12.60M · loan HK$29.39M · min. income ≈ HK$284,912/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,129
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$153,129
−HK$4,057/mo
Today · 4.125%
HK$157,186
baseline
▲ 0.50% · 4.625%
HK$165,472
+HK$8,286/mo
Deposit HK$12.60M · loan HK$29.39M · min. income ≈ HK$314,372/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,350
−HK$10,808/mo
▼ 0.25% · 3.875%
HK$177,711
−HK$5,447/mo
Today · 4.125%
HK$183,158
baseline
▲ 0.50% · 4.625%
HK$194,303
+HK$11,145/mo
Deposit HK$4.20M · loan HK$37.79M · min. income ≈ HK$366,316/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,738
−HK$10,359/mo
▼ 0.25% · 3.875%
HK$196,880
−HK$5,217/mo
Today · 4.125%
HK$202,097
baseline
▲ 0.50% · 4.625%
HK$212,749
+HK$10,652/mo
Deposit HK$4.20M · loan HK$37.79M · min. income ≈ HK$404,194/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,613 · Scale 2, in force from 26 Feb 2026)