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$110,836
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$114,284
−HK$3,503/mo
Today · 4.125%
HK$117,787
baseline
▲ 0.50% · 4.625%
HK$124,954
+HK$7,167/mo
Deposit HK$24.30M · loan HK$24.30M · min. income ≈ HK$235,574/mo (50% DSR)
Upfront cash ≈ HK$26.37M (deposit + AVD stamp duty HK$2,065,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,304
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,611
−HK$3,355/mo
Today · 4.125%
HK$129,966
baseline
▲ 0.50% · 4.625%
HK$136,817
+HK$6,851/mo
Deposit HK$24.30M · loan HK$24.30M · min. income ≈ HK$259,932/mo (50% DSR)
Upfront cash ≈ HK$26.37M (deposit + AVD stamp duty HK$2,065,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,004
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$137,141
−HK$4,203/mo
Today · 4.125%
HK$141,344
baseline
▲ 0.50% · 4.625%
HK$149,945
+HK$8,601/mo
Deposit HK$19.44M · loan HK$29.16M · min. income ≈ HK$282,688/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$2,065,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,965
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$151,933
−HK$4,026/mo
Today · 4.125%
HK$155,959
baseline
▲ 0.50% · 4.625%
HK$164,180
+HK$8,221/mo
Deposit HK$19.44M · loan HK$29.16M · min. income ≈ HK$311,918/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$2,065,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,171
−HK$9,730/mo
▼ 0.25% · 3.875%
HK$159,998
−HK$4,903/mo
Today · 4.125%
HK$164,901
baseline
▲ 0.50% · 4.625%
HK$174,935
+HK$10,034/mo
Deposit HK$14.58M · loan HK$34.02M · min. income ≈ HK$329,802/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$2,065,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,626
−HK$9,326/mo
▼ 0.25% · 3.875%
HK$177,256
−HK$4,696/mo
Today · 4.125%
HK$181,952
baseline
▲ 0.50% · 4.625%
HK$191,543
+HK$9,591/mo
Deposit HK$14.58M · loan HK$34.02M · min. income ≈ HK$363,904/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$2,065,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,505
−HK$12,511/mo
▼ 0.25% · 3.875%
HK$205,711
−HK$6,305/mo
Today · 4.125%
HK$212,016
baseline
▲ 0.50% · 4.625%
HK$224,917
+HK$12,901/mo
Deposit HK$4.86M · loan HK$43.75M · min. income ≈ HK$424,032/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,065,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,948
−HK$11,991/mo
▼ 0.25% · 3.875%
HK$227,900
−HK$6,039/mo
Today · 4.125%
HK$233,939
baseline
▲ 0.50% · 4.625%
HK$246,270
+HK$12,331/mo
Deposit HK$4.86M · loan HK$43.75M · min. income ≈ HK$467,878/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$2,065,796 · Scale 2, in force from 26 Feb 2026)