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$118,570
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$122,258
−HK$3,747/mo
Today · 4.125%
HK$126,005
baseline
▲ 0.50% · 4.625%
HK$133,672
+HK$7,667/mo
Deposit HK$26.00M · loan HK$26.00M · min. income ≈ HK$252,010/mo (50% DSR)
Upfront cash ≈ HK$28.21M (deposit + AVD stamp duty HK$2,209,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,908
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$135,445
−HK$3,589/mo
Today · 4.125%
HK$139,034
baseline
▲ 0.50% · 4.625%
HK$146,363
+HK$7,329/mo
Deposit HK$26.00M · loan HK$26.00M · min. income ≈ HK$278,068/mo (50% DSR)
Upfront cash ≈ HK$28.21M (deposit + AVD stamp duty HK$2,209,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,284
−HK$8,922/mo
▼ 0.25% · 3.875%
HK$146,710
−HK$4,496/mo
Today · 4.125%
HK$151,206
baseline
▲ 0.50% · 4.625%
HK$160,407
+HK$9,201/mo
Deposit HK$20.80M · loan HK$31.20M · min. income ≈ HK$302,412/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,209,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,289
−HK$8,552/mo
▼ 0.25% · 3.875%
HK$162,534
−HK$4,307/mo
Today · 4.125%
HK$166,841
baseline
▲ 0.50% · 4.625%
HK$175,636
+HK$8,795/mo
Deposit HK$20.80M · loan HK$31.20M · min. income ≈ HK$333,682/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,209,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,998
−HK$10,409/mo
▼ 0.25% · 3.875%
HK$171,161
−HK$5,246/mo
Today · 4.125%
HK$176,407
baseline
▲ 0.50% · 4.625%
HK$187,141
+HK$10,734/mo
Deposit HK$15.60M · loan HK$36.40M · min. income ≈ HK$352,814/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,209,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,671
−HK$9,977/mo
▼ 0.25% · 3.875%
HK$189,624
−HK$5,024/mo
Today · 4.125%
HK$194,648
baseline
▲ 0.50% · 4.625%
HK$204,908
+HK$10,260/mo
Deposit HK$15.60M · loan HK$36.40M · min. income ≈ HK$389,296/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,209,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,426
−HK$13,383/mo
▼ 0.25% · 3.875%
HK$220,064
−HK$6,745/mo
Today · 4.125%
HK$226,809
baseline
▲ 0.50% · 4.625%
HK$240,610
+HK$13,801/mo
Deposit HK$5.20M · loan HK$46.80M · min. income ≈ HK$453,618/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,434
−HK$12,828/mo
▼ 0.25% · 3.875%
HK$243,802
−HK$6,460/mo
Today · 4.125%
HK$250,262
baseline
▲ 0.50% · 4.625%
HK$263,453
+HK$13,191/mo
Deposit HK$5.20M · loan HK$46.80M · min. income ≈ HK$500,524/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,934 · Scale 2, in force from 26 Feb 2026)