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$95,788
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,767
−HK$3,027/mo
Today · 4.125%
HK$101,794
baseline
▲ 0.50% · 4.625%
HK$107,988
+HK$6,194/mo
Deposit HK$21.00M · loan HK$21.00M · min. income ≈ HK$203,588/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$1,785,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,563
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,421
−HK$2,899/mo
Today · 4.125%
HK$112,320
baseline
▲ 0.50% · 4.625%
HK$118,240
+HK$5,920/mo
Deposit HK$21.00M · loan HK$21.00M · min. income ≈ HK$224,640/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$1,785,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,945
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$118,521
−HK$3,632/mo
Today · 4.125%
HK$122,153
baseline
▲ 0.50% · 4.625%
HK$129,586
+HK$7,433/mo
Deposit HK$16.80M · loan HK$25.20M · min. income ≈ HK$244,306/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,875
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$131,305
−HK$3,479/mo
Today · 4.125%
HK$134,784
baseline
▲ 0.50% · 4.625%
HK$141,889
+HK$7,105/mo
Deposit HK$16.80M · loan HK$25.20M · min. income ≈ HK$269,568/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,103
−HK$8,409/mo
▼ 0.25% · 3.875%
HK$138,274
−HK$4,238/mo
Today · 4.125%
HK$142,512
baseline
▲ 0.50% · 4.625%
HK$151,184
+HK$8,672/mo
Deposit HK$12.60M · loan HK$29.41M · min. income ≈ HK$285,024/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,188
−HK$8,060/mo
▼ 0.25% · 3.875%
HK$153,189
−HK$4,059/mo
Today · 4.125%
HK$157,248
baseline
▲ 0.50% · 4.625%
HK$165,537
+HK$8,289/mo
Deposit HK$12.60M · loan HK$29.41M · min. income ≈ HK$314,496/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,418
−HK$10,812/mo
▼ 0.25% · 3.875%
HK$177,781
−HK$5,449/mo
Today · 4.125%
HK$183,230
baseline
▲ 0.50% · 4.625%
HK$194,379
+HK$11,149/mo
Deposit HK$4.20M · loan HK$37.81M · min. income ≈ HK$366,460/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,813
−HK$10,363/mo
▼ 0.25% · 3.875%
HK$196,957
−HK$5,219/mo
Today · 4.125%
HK$202,176
baseline
▲ 0.50% · 4.625%
HK$212,833
+HK$10,657/mo
Deposit HK$4.20M · loan HK$37.81M · min. income ≈ HK$404,352/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,313 · Scale 2, in force from 26 Feb 2026)