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$96,929
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,944
−HK$3,064/mo
Today · 4.125%
HK$103,008
baseline
▲ 0.50% · 4.625%
HK$109,275
+HK$6,267/mo
Deposit HK$21.25M · loan HK$21.25M · min. income ≈ HK$206,016/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$1,806,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,833
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,725
−HK$2,934/mo
Today · 4.125%
HK$113,659
baseline
▲ 0.50% · 4.625%
HK$119,650
+HK$5,991/mo
Deposit HK$21.25M · loan HK$21.25M · min. income ≈ HK$227,318/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$1,806,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,315
−HK$7,294/mo
▼ 0.25% · 3.875%
HK$119,933
−HK$3,676/mo
Today · 4.125%
HK$123,609
baseline
▲ 0.50% · 4.625%
HK$131,130
+HK$7,521/mo
Deposit HK$17.00M · loan HK$25.50M · min. income ≈ HK$247,218/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,806,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,399
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$132,870
−HK$3,520/mo
Today · 4.125%
HK$136,390
baseline
▲ 0.50% · 4.625%
HK$143,580
+HK$7,190/mo
Deposit HK$17.00M · loan HK$25.50M · min. income ≈ HK$272,780/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,806,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,701
−HK$8,510/mo
▼ 0.25% · 3.875%
HK$139,922
−HK$4,289/mo
Today · 4.125%
HK$144,211
baseline
▲ 0.50% · 4.625%
HK$152,985
+HK$8,774/mo
Deposit HK$12.75M · loan HK$29.76M · min. income ≈ HK$288,422/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,806,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,966
−HK$8,156/mo
▼ 0.25% · 3.875%
HK$155,015
−HK$4,107/mo
Today · 4.125%
HK$159,122
baseline
▲ 0.50% · 4.625%
HK$167,510
+HK$8,388/mo
Deposit HK$12.75M · loan HK$29.76M · min. income ≈ HK$318,244/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,806,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,473
−HK$10,941/mo
▼ 0.25% · 3.875%
HK$179,900
−HK$5,514/mo
Today · 4.125%
HK$185,414
baseline
▲ 0.50% · 4.625%
HK$196,695
+HK$11,281/mo
Deposit HK$4.25M · loan HK$38.26M · min. income ≈ HK$370,828/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,806,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,099
−HK$10,487/mo
▼ 0.25% · 3.875%
HK$199,305
−HK$5,281/mo
Today · 4.125%
HK$204,586
baseline
▲ 0.50% · 4.625%
HK$215,370
+HK$10,784/mo
Deposit HK$4.25M · loan HK$38.26M · min. income ≈ HK$409,172/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,806,591 · Scale 2, in force from 26 Feb 2026)