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$118,566
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$122,254
−HK$3,747/mo
Today · 4.125%
HK$126,001
baseline
▲ 0.50% · 4.625%
HK$133,668
+HK$7,667/mo
Deposit HK$26.00M · loan HK$26.00M · min. income ≈ HK$252,002/mo (50% DSR)
Upfront cash ≈ HK$28.21M (deposit + AVD stamp duty HK$2,209,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,903
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$135,441
−HK$3,588/mo
Today · 4.125%
HK$139,029
baseline
▲ 0.50% · 4.625%
HK$146,358
+HK$7,329/mo
Deposit HK$26.00M · loan HK$26.00M · min. income ≈ HK$278,058/mo (50% DSR)
Upfront cash ≈ HK$28.21M (deposit + AVD stamp duty HK$2,209,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,279
−HK$8,922/mo
▼ 0.25% · 3.875%
HK$146,704
−HK$4,497/mo
Today · 4.125%
HK$151,201
baseline
▲ 0.50% · 4.625%
HK$160,401
+HK$9,200/mo
Deposit HK$20.80M · loan HK$31.20M · min. income ≈ HK$302,402/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,209,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,284
−HK$8,551/mo
▼ 0.25% · 3.875%
HK$162,529
−HK$4,306/mo
Today · 4.125%
HK$166,835
baseline
▲ 0.50% · 4.625%
HK$175,629
+HK$8,794/mo
Deposit HK$20.80M · loan HK$31.20M · min. income ≈ HK$333,670/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,209,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,992
−HK$10,409/mo
▼ 0.25% · 3.875%
HK$171,155
−HK$5,246/mo
Today · 4.125%
HK$176,401
baseline
▲ 0.50% · 4.625%
HK$187,135
+HK$10,734/mo
Deposit HK$15.60M · loan HK$36.40M · min. income ≈ HK$352,802/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,209,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,664
−HK$9,977/mo
▼ 0.25% · 3.875%
HK$189,617
−HK$5,024/mo
Today · 4.125%
HK$194,641
baseline
▲ 0.50% · 4.625%
HK$204,901
+HK$10,260/mo
Deposit HK$15.60M · loan HK$36.40M · min. income ≈ HK$389,282/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,209,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,418
−HK$13,383/mo
▼ 0.25% · 3.875%
HK$220,057
−HK$6,744/mo
Today · 4.125%
HK$226,801
baseline
▲ 0.50% · 4.625%
HK$240,602
+HK$13,801/mo
Deposit HK$5.20M · loan HK$46.80M · min. income ≈ HK$453,602/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,426
−HK$12,827/mo
▼ 0.25% · 3.875%
HK$243,793
−HK$6,460/mo
Today · 4.125%
HK$250,253
baseline
▲ 0.50% · 4.625%
HK$263,444
+HK$13,191/mo
Deposit HK$5.20M · loan HK$46.80M · min. income ≈ HK$500,506/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,857 · Scale 2, in force from 26 Feb 2026)