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$95,756
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$98,734
−HK$3,027/mo
Today · 4.125%
HK$101,761
baseline
▲ 0.50% · 4.625%
HK$107,953
+HK$6,192/mo
Deposit HK$21.00M · loan HK$21.00M · min. income ≈ HK$203,522/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$1,784,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,528
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,385
−HK$2,898/mo
Today · 4.125%
HK$112,283
baseline
▲ 0.50% · 4.625%
HK$118,201
+HK$5,918/mo
Deposit HK$21.00M · loan HK$21.00M · min. income ≈ HK$224,566/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$1,784,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,907
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$118,481
−HK$3,632/mo
Today · 4.125%
HK$122,113
baseline
▲ 0.50% · 4.625%
HK$129,543
+HK$7,430/mo
Deposit HK$16.80M · loan HK$25.20M · min. income ≈ HK$244,226/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,784,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,833
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$131,261
−HK$3,478/mo
Today · 4.125%
HK$134,739
baseline
▲ 0.50% · 4.625%
HK$141,842
+HK$7,103/mo
Deposit HK$16.80M · loan HK$25.20M · min. income ≈ HK$269,478/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,784,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,058
−HK$8,407/mo
▼ 0.25% · 3.875%
HK$138,228
−HK$4,237/mo
Today · 4.125%
HK$142,465
baseline
▲ 0.50% · 4.625%
HK$151,134
+HK$8,669/mo
Deposit HK$12.60M · loan HK$29.40M · min. income ≈ HK$284,930/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,139
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$153,138
−HK$4,058/mo
Today · 4.125%
HK$157,196
baseline
▲ 0.50% · 4.625%
HK$165,482
+HK$8,286/mo
Deposit HK$12.60M · loan HK$29.40M · min. income ≈ HK$314,392/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,361
−HK$10,808/mo
▼ 0.25% · 3.875%
HK$177,722
−HK$5,447/mo
Today · 4.125%
HK$183,169
baseline
▲ 0.50% · 4.625%
HK$194,315
+HK$11,146/mo
Deposit HK$4.20M · loan HK$37.79M · min. income ≈ HK$366,338/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,750
−HK$10,359/mo
▼ 0.25% · 3.875%
HK$196,892
−HK$5,217/mo
Today · 4.125%
HK$202,109
baseline
▲ 0.50% · 4.625%
HK$212,763
+HK$10,654/mo
Deposit HK$4.20M · loan HK$37.79M · min. income ≈ HK$404,218/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,724 · Scale 2, in force from 26 Feb 2026)