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$119,729
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$123,454
−HK$3,784/mo
Today · 4.125%
HK$127,238
baseline
▲ 0.50% · 4.625%
HK$134,980
+HK$7,742/mo
Deposit HK$26.25M · loan HK$26.25M · min. income ≈ HK$254,476/mo (50% DSR)
Upfront cash ≈ HK$28.49M (deposit + AVD stamp duty HK$2,231,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,198
−HK$7,196/mo
▼ 0.25% · 3.875%
HK$136,770
−HK$3,624/mo
Today · 4.125%
HK$140,394
baseline
▲ 0.50% · 4.625%
HK$147,794
+HK$7,400/mo
Deposit HK$26.25M · loan HK$26.25M · min. income ≈ HK$280,788/mo (50% DSR)
Upfront cash ≈ HK$28.49M (deposit + AVD stamp duty HK$2,231,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,675
−HK$9,010/mo
▼ 0.25% · 3.875%
HK$148,144
−HK$4,541/mo
Today · 4.125%
HK$152,685
baseline
▲ 0.50% · 4.625%
HK$161,976
+HK$9,291/mo
Deposit HK$21.00M · loan HK$31.50M · min. income ≈ HK$305,370/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$2,231,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,837
−HK$8,636/mo
▼ 0.25% · 3.875%
HK$164,124
−HK$4,349/mo
Today · 4.125%
HK$168,473
baseline
▲ 0.50% · 4.625%
HK$177,353
+HK$8,880/mo
Deposit HK$21.00M · loan HK$31.50M · min. income ≈ HK$336,946/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$2,231,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,621
−HK$10,512/mo
▼ 0.25% · 3.875%
HK$172,835
−HK$5,298/mo
Today · 4.125%
HK$178,133
baseline
▲ 0.50% · 4.625%
HK$188,971
+HK$10,838/mo
Deposit HK$15.75M · loan HK$36.75M · min. income ≈ HK$356,266/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$2,231,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,477
−HK$10,075/mo
▼ 0.25% · 3.875%
HK$191,478
−HK$5,074/mo
Today · 4.125%
HK$196,552
baseline
▲ 0.50% · 4.625%
HK$206,912
+HK$10,360/mo
Deposit HK$15.75M · loan HK$36.75M · min. income ≈ HK$393,104/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$2,231,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,513
−HK$13,515/mo
▼ 0.25% · 3.875%
HK$222,217
−HK$6,811/mo
Today · 4.125%
HK$229,028
baseline
▲ 0.50% · 4.625%
HK$242,963
+HK$13,935/mo
Deposit HK$5.25M · loan HK$47.26M · min. income ≈ HK$458,056/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,231,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,756
−HK$12,953/mo
▼ 0.25% · 3.875%
HK$246,186
−HK$6,523/mo
Today · 4.125%
HK$252,709
baseline
▲ 0.50% · 4.625%
HK$266,030
+HK$13,321/mo
Deposit HK$5.25M · loan HK$47.26M · min. income ≈ HK$505,418/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,231,548 · Scale 2, in force from 26 Feb 2026)