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$118,571
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$122,259
−HK$3,748/mo
Today · 4.125%
HK$126,007
baseline
▲ 0.50% · 4.625%
HK$133,674
+HK$7,667/mo
Deposit HK$26.00M · loan HK$26.00M · min. income ≈ HK$252,014/mo (50% DSR)
Upfront cash ≈ HK$28.21M (deposit + AVD stamp duty HK$2,209,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,909
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$135,447
−HK$3,589/mo
Today · 4.125%
HK$139,036
baseline
▲ 0.50% · 4.625%
HK$146,365
+HK$7,329/mo
Deposit HK$26.00M · loan HK$26.00M · min. income ≈ HK$278,072/mo (50% DSR)
Upfront cash ≈ HK$28.21M (deposit + AVD stamp duty HK$2,209,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,285
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$146,711
−HK$4,497/mo
Today · 4.125%
HK$151,208
baseline
▲ 0.50% · 4.625%
HK$160,409
+HK$9,201/mo
Deposit HK$20.80M · loan HK$31.20M · min. income ≈ HK$302,416/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,209,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,291
−HK$8,552/mo
▼ 0.25% · 3.875%
HK$162,536
−HK$4,307/mo
Today · 4.125%
HK$166,843
baseline
▲ 0.50% · 4.625%
HK$175,638
+HK$8,795/mo
Deposit HK$20.80M · loan HK$31.20M · min. income ≈ HK$333,686/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,209,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,000
−HK$10,409/mo
▼ 0.25% · 3.875%
HK$171,163
−HK$5,246/mo
Today · 4.125%
HK$176,409
baseline
▲ 0.50% · 4.625%
HK$187,143
+HK$10,734/mo
Deposit HK$15.60M · loan HK$36.40M · min. income ≈ HK$352,818/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,209,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,673
−HK$9,977/mo
▼ 0.25% · 3.875%
HK$189,626
−HK$5,024/mo
Today · 4.125%
HK$194,650
baseline
▲ 0.50% · 4.625%
HK$204,910
+HK$10,260/mo
Deposit HK$15.60M · loan HK$36.40M · min. income ≈ HK$389,300/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,209,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,428
−HK$13,384/mo
▼ 0.25% · 3.875%
HK$220,067
−HK$6,745/mo
Today · 4.125%
HK$226,812
baseline
▲ 0.50% · 4.625%
HK$240,613
+HK$13,801/mo
Deposit HK$5.20M · loan HK$46.80M · min. income ≈ HK$453,624/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,437
−HK$12,828/mo
▼ 0.25% · 3.875%
HK$243,804
−HK$6,461/mo
Today · 4.125%
HK$250,265
baseline
▲ 0.50% · 4.625%
HK$263,456
+HK$13,191/mo
Deposit HK$5.20M · loan HK$46.80M · min. income ≈ HK$500,530/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,959 · Scale 2, in force from 26 Feb 2026)