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$96,912
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,927
−HK$3,062/mo
Today · 4.125%
HK$102,989
baseline
▲ 0.50% · 4.625%
HK$109,256
+HK$6,267/mo
Deposit HK$21.25M · loan HK$21.25M · min. income ≈ HK$205,978/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$1,806,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,814
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,705
−HK$2,933/mo
Today · 4.125%
HK$113,638
baseline
▲ 0.50% · 4.625%
HK$119,628
+HK$5,990/mo
Deposit HK$21.25M · loan HK$21.25M · min. income ≈ HK$227,276/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$1,806,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,294
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$119,912
−HK$3,675/mo
Today · 4.125%
HK$123,587
baseline
▲ 0.50% · 4.625%
HK$131,107
+HK$7,520/mo
Deposit HK$17.00M · loan HK$25.50M · min. income ≈ HK$247,174/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,806,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,376
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$132,846
−HK$3,520/mo
Today · 4.125%
HK$136,366
baseline
▲ 0.50% · 4.625%
HK$143,554
+HK$7,188/mo
Deposit HK$17.00M · loan HK$25.50M · min. income ≈ HK$272,732/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,806,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,677
−HK$8,508/mo
▼ 0.25% · 3.875%
HK$139,897
−HK$4,288/mo
Today · 4.125%
HK$144,185
baseline
▲ 0.50% · 4.625%
HK$152,958
+HK$8,773/mo
Deposit HK$12.75M · loan HK$29.75M · min. income ≈ HK$288,370/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,806,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,939
−HK$8,155/mo
▼ 0.25% · 3.875%
HK$154,987
−HK$4,107/mo
Today · 4.125%
HK$159,094
baseline
▲ 0.50% · 4.625%
HK$167,480
+HK$8,386/mo
Deposit HK$12.75M · loan HK$29.75M · min. income ≈ HK$318,188/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,806,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,442
−HK$10,939/mo
▼ 0.25% · 3.875%
HK$179,868
−HK$5,513/mo
Today · 4.125%
HK$185,381
baseline
▲ 0.50% · 4.625%
HK$196,661
+HK$11,280/mo
Deposit HK$4.25M · loan HK$38.25M · min. income ≈ HK$370,762/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,806,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,065
−HK$10,484/mo
▼ 0.25% · 3.875%
HK$199,269
−HK$5,280/mo
Today · 4.125%
HK$204,549
baseline
▲ 0.50% · 4.625%
HK$215,331
+HK$10,782/mo
Deposit HK$4.25M · loan HK$38.25M · min. income ≈ HK$409,098/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,806,271 · Scale 2, in force from 26 Feb 2026)