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$118,564
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$122,252
−HK$3,748/mo
Today · 4.125%
HK$126,000
baseline
▲ 0.50% · 4.625%
HK$133,666
+HK$7,666/mo
Deposit HK$26.00M · loan HK$26.00M · min. income ≈ HK$252,000/mo (50% DSR)
Upfront cash ≈ HK$28.21M (deposit + AVD stamp duty HK$2,209,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,902
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$135,439
−HK$3,589/mo
Today · 4.125%
HK$139,028
baseline
▲ 0.50% · 4.625%
HK$146,356
+HK$7,328/mo
Deposit HK$26.00M · loan HK$26.00M · min. income ≈ HK$278,056/mo (50% DSR)
Upfront cash ≈ HK$28.21M (deposit + AVD stamp duty HK$2,209,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,277
−HK$8,922/mo
▼ 0.25% · 3.875%
HK$146,703
−HK$4,496/mo
Today · 4.125%
HK$151,199
baseline
▲ 0.50% · 4.625%
HK$160,400
+HK$9,201/mo
Deposit HK$20.80M · loan HK$31.20M · min. income ≈ HK$302,398/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,209,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,282
−HK$8,552/mo
▼ 0.25% · 3.875%
HK$162,527
−HK$4,307/mo
Today · 4.125%
HK$166,834
baseline
▲ 0.50% · 4.625%
HK$175,628
+HK$8,794/mo
Deposit HK$20.80M · loan HK$31.20M · min. income ≈ HK$333,668/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,209,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,990
−HK$10,409/mo
▼ 0.25% · 3.875%
HK$171,153
−HK$5,246/mo
Today · 4.125%
HK$176,399
baseline
▲ 0.50% · 4.625%
HK$187,133
+HK$10,734/mo
Deposit HK$15.60M · loan HK$36.40M · min. income ≈ HK$352,798/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,209,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,662
−HK$9,977/mo
▼ 0.25% · 3.875%
HK$189,615
−HK$5,024/mo
Today · 4.125%
HK$194,639
baseline
▲ 0.50% · 4.625%
HK$204,899
+HK$10,260/mo
Deposit HK$15.60M · loan HK$36.40M · min. income ≈ HK$389,278/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,209,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,416
−HK$13,383/mo
▼ 0.25% · 3.875%
HK$220,054
−HK$6,745/mo
Today · 4.125%
HK$226,799
baseline
▲ 0.50% · 4.625%
HK$240,599
+HK$13,800/mo
Deposit HK$5.20M · loan HK$46.80M · min. income ≈ HK$453,598/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,423
−HK$12,827/mo
▼ 0.25% · 3.875%
HK$243,791
−HK$6,459/mo
Today · 4.125%
HK$250,250
baseline
▲ 0.50% · 4.625%
HK$263,441
+HK$13,191/mo
Deposit HK$5.20M · loan HK$46.80M · min. income ≈ HK$500,500/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,835 · Scale 2, in force from 26 Feb 2026)