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$77,548
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,960
−HK$2,450/mo
Today · 4.125%
HK$82,410
baseline
▲ 0.50% · 4.625%
HK$87,425
+HK$5,015/mo
Deposit HK$17.00M · loan HK$17.00M · min. income ≈ HK$164,820/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,445,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,271
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,585
−HK$2,347/mo
Today · 4.125%
HK$90,932
baseline
▲ 0.50% · 4.625%
HK$95,725
+HK$4,793/mo
Deposit HK$17.00M · loan HK$17.00M · min. income ≈ HK$181,864/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,445,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,057
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,952
−HK$2,940/mo
Today · 4.125%
HK$98,892
baseline
▲ 0.50% · 4.625%
HK$104,910
+HK$6,018/mo
Deposit HK$13.60M · loan HK$20.40M · min. income ≈ HK$197,784/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,525
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,301
−HK$2,817/mo
Today · 4.125%
HK$109,118
baseline
▲ 0.50% · 4.625%
HK$114,870
+HK$5,752/mo
Deposit HK$13.60M · loan HK$20.40M · min. income ≈ HK$218,236/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,567
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$111,944
−HK$3,431/mo
Today · 4.125%
HK$115,375
baseline
▲ 0.50% · 4.625%
HK$122,395
+HK$7,020/mo
Deposit HK$10.20M · loan HK$23.81M · min. income ≈ HK$230,750/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,779
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$124,018
−HK$3,286/mo
Today · 4.125%
HK$127,304
baseline
▲ 0.50% · 4.625%
HK$134,015
+HK$6,711/mo
Deposit HK$10.20M · loan HK$23.81M · min. income ≈ HK$254,608/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,586
−HK$8,753/mo
▼ 0.25% · 3.875%
HK$143,927
−HK$4,412/mo
Today · 4.125%
HK$148,339
baseline
▲ 0.50% · 4.625%
HK$157,365
+HK$9,026/mo
Deposit HK$3.40M · loan HK$30.61M · min. income ≈ HK$296,678/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,287
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$159,452
−HK$4,225/mo
Today · 4.125%
HK$163,677
baseline
▲ 0.50% · 4.625%
HK$172,305
+HK$8,628/mo
Deposit HK$3.40M · loan HK$30.61M · min. income ≈ HK$327,354/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,351 · Scale 2, in force from 26 Feb 2026)