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$118,563
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$122,251
−HK$3,747/mo
Today · 4.125%
HK$125,998
baseline
▲ 0.50% · 4.625%
HK$133,664
+HK$7,666/mo
Deposit HK$26.00M · loan HK$26.00M · min. income ≈ HK$251,996/mo (50% DSR)
Upfront cash ≈ HK$28.21M (deposit + AVD stamp duty HK$2,209,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,900
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$135,437
−HK$3,589/mo
Today · 4.125%
HK$139,026
baseline
▲ 0.50% · 4.625%
HK$146,354
+HK$7,328/mo
Deposit HK$26.00M · loan HK$26.00M · min. income ≈ HK$278,052/mo (50% DSR)
Upfront cash ≈ HK$28.21M (deposit + AVD stamp duty HK$2,209,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,275
−HK$8,922/mo
▼ 0.25% · 3.875%
HK$146,701
−HK$4,496/mo
Today · 4.125%
HK$151,197
baseline
▲ 0.50% · 4.625%
HK$160,397
+HK$9,200/mo
Deposit HK$20.80M · loan HK$31.20M · min. income ≈ HK$302,394/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,209,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,280
−HK$8,551/mo
▼ 0.25% · 3.875%
HK$162,525
−HK$4,306/mo
Today · 4.125%
HK$166,831
baseline
▲ 0.50% · 4.625%
HK$175,625
+HK$8,794/mo
Deposit HK$20.80M · loan HK$31.20M · min. income ≈ HK$333,662/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,209,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,988
−HK$10,409/mo
▼ 0.25% · 3.875%
HK$171,151
−HK$5,246/mo
Today · 4.125%
HK$176,397
baseline
▲ 0.50% · 4.625%
HK$187,130
+HK$10,733/mo
Deposit HK$15.60M · loan HK$36.40M · min. income ≈ HK$352,794/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,209,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,660
−HK$9,976/mo
▼ 0.25% · 3.875%
HK$189,612
−HK$5,024/mo
Today · 4.125%
HK$194,636
baseline
▲ 0.50% · 4.625%
HK$204,896
+HK$10,260/mo
Deposit HK$15.60M · loan HK$36.40M · min. income ≈ HK$389,272/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,209,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,413
−HK$13,383/mo
▼ 0.25% · 3.875%
HK$220,051
−HK$6,745/mo
Today · 4.125%
HK$226,796
baseline
▲ 0.50% · 4.625%
HK$240,596
+HK$13,800/mo
Deposit HK$5.20M · loan HK$46.80M · min. income ≈ HK$453,592/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,420
−HK$12,827/mo
▼ 0.25% · 3.875%
HK$243,787
−HK$6,460/mo
Today · 4.125%
HK$250,247
baseline
▲ 0.50% · 4.625%
HK$263,438
+HK$13,191/mo
Deposit HK$5.20M · loan HK$46.80M · min. income ≈ HK$500,494/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,802 · Scale 2, in force from 26 Feb 2026)