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$119,727
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$123,452
−HK$3,783/mo
Today · 4.125%
HK$127,235
baseline
▲ 0.50% · 4.625%
HK$134,977
+HK$7,742/mo
Deposit HK$26.25M · loan HK$26.25M · min. income ≈ HK$254,470/mo (50% DSR)
Upfront cash ≈ HK$28.48M (deposit + AVD stamp duty HK$2,231,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,195
−HK$7,197/mo
▼ 0.25% · 3.875%
HK$136,768
−HK$3,624/mo
Today · 4.125%
HK$140,392
baseline
▲ 0.50% · 4.625%
HK$147,792
+HK$7,400/mo
Deposit HK$26.25M · loan HK$26.25M · min. income ≈ HK$280,784/mo (50% DSR)
Upfront cash ≈ HK$28.48M (deposit + AVD stamp duty HK$2,231,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,673
−HK$9,009/mo
▼ 0.25% · 3.875%
HK$148,142
−HK$4,540/mo
Today · 4.125%
HK$152,682
baseline
▲ 0.50% · 4.625%
HK$161,973
+HK$9,291/mo
Deposit HK$21.00M · loan HK$31.50M · min. income ≈ HK$305,364/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$2,231,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,835
−HK$8,635/mo
▼ 0.25% · 3.875%
HK$164,121
−HK$4,349/mo
Today · 4.125%
HK$168,470
baseline
▲ 0.50% · 4.625%
HK$177,350
+HK$8,880/mo
Deposit HK$21.00M · loan HK$31.50M · min. income ≈ HK$336,940/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$2,231,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,618
−HK$10,511/mo
▼ 0.25% · 3.875%
HK$172,832
−HK$5,297/mo
Today · 4.125%
HK$178,129
baseline
▲ 0.50% · 4.625%
HK$188,968
+HK$10,839/mo
Deposit HK$15.75M · loan HK$36.75M · min. income ≈ HK$356,258/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$2,231,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,474
−HK$10,074/mo
▼ 0.25% · 3.875%
HK$191,475
−HK$5,073/mo
Today · 4.125%
HK$196,548
baseline
▲ 0.50% · 4.625%
HK$206,909
+HK$10,361/mo
Deposit HK$15.75M · loan HK$36.75M · min. income ≈ HK$393,096/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$2,231,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,509
−HK$13,515/mo
▼ 0.25% · 3.875%
HK$222,213
−HK$6,811/mo
Today · 4.125%
HK$229,024
baseline
▲ 0.50% · 4.625%
HK$242,959
+HK$13,935/mo
Deposit HK$5.25M · loan HK$47.26M · min. income ≈ HK$458,048/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,231,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,752
−HK$12,953/mo
▼ 0.25% · 3.875%
HK$246,182
−HK$6,523/mo
Today · 4.125%
HK$252,705
baseline
▲ 0.50% · 4.625%
HK$266,025
+HK$13,320/mo
Deposit HK$5.25M · loan HK$47.26M · min. income ≈ HK$505,410/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,231,509 · Scale 2, in force from 26 Feb 2026)