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$95,762
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$98,740
−HK$3,027/mo
Today · 4.125%
HK$101,767
baseline
▲ 0.50% · 4.625%
HK$107,959
+HK$6,192/mo
Deposit HK$21.00M · loan HK$21.00M · min. income ≈ HK$203,534/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$1,784,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,534
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,391
−HK$2,898/mo
Today · 4.125%
HK$112,289
baseline
▲ 0.50% · 4.625%
HK$118,208
+HK$5,919/mo
Deposit HK$21.00M · loan HK$21.00M · min. income ≈ HK$224,578/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$1,784,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,914
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$118,488
−HK$3,632/mo
Today · 4.125%
HK$122,120
baseline
▲ 0.50% · 4.625%
HK$129,551
+HK$7,431/mo
Deposit HK$16.80M · loan HK$25.20M · min. income ≈ HK$244,240/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,784,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,840
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$131,269
−HK$3,478/mo
Today · 4.125%
HK$134,747
baseline
▲ 0.50% · 4.625%
HK$141,850
+HK$7,103/mo
Deposit HK$16.80M · loan HK$25.20M · min. income ≈ HK$269,494/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,784,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,066
−HK$8,407/mo
▼ 0.25% · 3.875%
HK$138,236
−HK$4,237/mo
Today · 4.125%
HK$142,473
baseline
▲ 0.50% · 4.625%
HK$151,142
+HK$8,669/mo
Deposit HK$12.60M · loan HK$29.40M · min. income ≈ HK$284,946/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,147
−HK$8,058/mo
▼ 0.25% · 3.875%
HK$153,147
−HK$4,058/mo
Today · 4.125%
HK$157,205
baseline
▲ 0.50% · 4.625%
HK$165,492
+HK$8,287/mo
Deposit HK$12.60M · loan HK$29.40M · min. income ≈ HK$314,410/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,371
−HK$10,809/mo
▼ 0.25% · 3.875%
HK$177,732
−HK$5,448/mo
Today · 4.125%
HK$183,180
baseline
▲ 0.50% · 4.625%
HK$194,326
+HK$11,146/mo
Deposit HK$4.20M · loan HK$37.80M · min. income ≈ HK$366,360/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,761
−HK$10,360/mo
▼ 0.25% · 3.875%
HK$196,904
−HK$5,217/mo
Today · 4.125%
HK$202,121
baseline
▲ 0.50% · 4.625%
HK$212,775
+HK$10,654/mo
Deposit HK$4.20M · loan HK$37.80M · min. income ≈ HK$404,242/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,828 · Scale 2, in force from 26 Feb 2026)