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$95,775
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,755
−HK$3,026/mo
Today · 4.125%
HK$101,781
baseline
▲ 0.50% · 4.625%
HK$107,975
+HK$6,194/mo
Deposit HK$21.00M · loan HK$21.00M · min. income ≈ HK$203,562/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$1,785,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,549
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,407
−HK$2,899/mo
Today · 4.125%
HK$112,306
baseline
▲ 0.50% · 4.625%
HK$118,225
+HK$5,919/mo
Deposit HK$21.00M · loan HK$21.00M · min. income ≈ HK$224,612/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$1,785,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,930
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$118,505
−HK$3,633/mo
Today · 4.125%
HK$122,138
baseline
▲ 0.50% · 4.625%
HK$129,569
+HK$7,431/mo
Deposit HK$16.80M · loan HK$25.20M · min. income ≈ HK$244,276/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,859
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$131,288
−HK$3,479/mo
Today · 4.125%
HK$134,767
baseline
▲ 0.50% · 4.625%
HK$141,871
+HK$7,104/mo
Deposit HK$16.80M · loan HK$25.20M · min. income ≈ HK$269,534/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,086
−HK$8,408/mo
▼ 0.25% · 3.875%
HK$138,256
−HK$4,238/mo
Today · 4.125%
HK$142,494
baseline
▲ 0.50% · 4.625%
HK$151,164
+HK$8,670/mo
Deposit HK$12.60M · loan HK$29.40M · min. income ≈ HK$284,988/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,169
−HK$8,059/mo
▼ 0.25% · 3.875%
HK$153,169
−HK$4,059/mo
Today · 4.125%
HK$157,228
baseline
▲ 0.50% · 4.625%
HK$165,516
+HK$8,288/mo
Deposit HK$12.60M · loan HK$29.40M · min. income ≈ HK$314,456/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,396
−HK$10,810/mo
▼ 0.25% · 3.875%
HK$177,758
−HK$5,448/mo
Today · 4.125%
HK$183,206
baseline
▲ 0.50% · 4.625%
HK$194,354
+HK$11,148/mo
Deposit HK$4.20M · loan HK$37.80M · min. income ≈ HK$366,412/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,789
−HK$10,361/mo
▼ 0.25% · 3.875%
HK$196,932
−HK$5,218/mo
Today · 4.125%
HK$202,150
baseline
▲ 0.50% · 4.625%
HK$212,806
+HK$10,656/mo
Deposit HK$4.20M · loan HK$37.80M · min. income ≈ HK$404,300/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,087 · Scale 2, in force from 26 Feb 2026)