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$95,814
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$98,794
−HK$3,028/mo
Today · 4.125%
HK$101,822
baseline
▲ 0.50% · 4.625%
HK$108,018
+HK$6,196/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$203,644/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,785,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,592
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$109,451
−HK$2,900/mo
Today · 4.125%
HK$112,351
baseline
▲ 0.50% · 4.625%
HK$118,273
+HK$5,922/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$224,702/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,785,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,977
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$118,553
−HK$3,634/mo
Today · 4.125%
HK$122,187
baseline
▲ 0.50% · 4.625%
HK$129,622
+HK$7,435/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$244,374/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,910
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$131,341
−HK$3,480/mo
Today · 4.125%
HK$134,821
baseline
▲ 0.50% · 4.625%
HK$141,928
+HK$7,107/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$269,642/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,140
−HK$8,411/mo
▼ 0.25% · 3.875%
HK$138,312
−HK$4,239/mo
Today · 4.125%
HK$142,551
baseline
▲ 0.50% · 4.625%
HK$151,225
+HK$8,674/mo
Deposit HK$12.61M · loan HK$29.41M · min. income ≈ HK$285,102/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,229
−HK$8,062/mo
▼ 0.25% · 3.875%
HK$153,231
−HK$4,060/mo
Today · 4.125%
HK$157,291
baseline
▲ 0.50% · 4.625%
HK$165,582
+HK$8,291/mo
Deposit HK$12.61M · loan HK$29.41M · min. income ≈ HK$314,582/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,465
−HK$10,815/mo
▼ 0.25% · 3.875%
HK$177,830
−HK$5,450/mo
Today · 4.125%
HK$183,280
baseline
▲ 0.50% · 4.625%
HK$194,432
+HK$11,152/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$366,560/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,866
−HK$10,366/mo
▼ 0.25% · 3.875%
HK$197,011
−HK$5,221/mo
Today · 4.125%
HK$202,232
baseline
▲ 0.50% · 4.625%
HK$212,892
+HK$10,660/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$404,464/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,805 · Scale 2, in force from 26 Feb 2026)