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$119,712
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$123,436
−HK$3,783/mo
Today · 4.125%
HK$127,219
baseline
▲ 0.50% · 4.625%
HK$134,960
+HK$7,741/mo
Deposit HK$26.25M · loan HK$26.25M · min. income ≈ HK$254,438/mo (50% DSR)
Upfront cash ≈ HK$28.48M (deposit + AVD stamp duty HK$2,231,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,178
−HK$7,196/mo
▼ 0.25% · 3.875%
HK$136,750
−HK$3,624/mo
Today · 4.125%
HK$140,374
baseline
▲ 0.50% · 4.625%
HK$147,773
+HK$7,399/mo
Deposit HK$26.25M · loan HK$26.25M · min. income ≈ HK$280,748/mo (50% DSR)
Upfront cash ≈ HK$28.48M (deposit + AVD stamp duty HK$2,231,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,654
−HK$9,009/mo
▼ 0.25% · 3.875%
HK$148,123
−HK$4,540/mo
Today · 4.125%
HK$152,663
baseline
▲ 0.50% · 4.625%
HK$161,952
+HK$9,289/mo
Deposit HK$21.00M · loan HK$31.50M · min. income ≈ HK$305,326/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$2,231,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,814
−HK$8,634/mo
▼ 0.25% · 3.875%
HK$164,100
−HK$4,348/mo
Today · 4.125%
HK$168,448
baseline
▲ 0.50% · 4.625%
HK$177,327
+HK$8,879/mo
Deposit HK$21.00M · loan HK$31.50M · min. income ≈ HK$336,896/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$2,231,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,597
−HK$10,510/mo
▼ 0.25% · 3.875%
HK$172,810
−HK$5,297/mo
Today · 4.125%
HK$178,107
baseline
▲ 0.50% · 4.625%
HK$188,944
+HK$10,837/mo
Deposit HK$15.75M · loan HK$36.75M · min. income ≈ HK$356,214/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$2,231,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,450
−HK$10,073/mo
▼ 0.25% · 3.875%
HK$191,450
−HK$5,073/mo
Today · 4.125%
HK$196,523
baseline
▲ 0.50% · 4.625%
HK$206,882
+HK$10,359/mo
Deposit HK$15.75M · loan HK$36.75M · min. income ≈ HK$393,046/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$2,231,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,482
−HK$13,512/mo
▼ 0.25% · 3.875%
HK$222,184
−HK$6,810/mo
Today · 4.125%
HK$228,994
baseline
▲ 0.50% · 4.625%
HK$242,928
+HK$13,934/mo
Deposit HK$5.25M · loan HK$47.25M · min. income ≈ HK$457,988/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,231,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,721
−HK$12,951/mo
▼ 0.25% · 3.875%
HK$246,150
−HK$6,522/mo
Today · 4.125%
HK$252,672
baseline
▲ 0.50% · 4.625%
HK$265,991
+HK$13,319/mo
Deposit HK$5.25M · loan HK$47.25M · min. income ≈ HK$505,344/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,231,222 · Scale 2, in force from 26 Feb 2026)