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$77,526
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,937
−HK$2,450/mo
Today · 4.125%
HK$82,387
baseline
▲ 0.50% · 4.625%
HK$87,400
+HK$5,013/mo
Deposit HK$17.00M · loan HK$17.00M · min. income ≈ HK$164,774/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,247
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,560
−HK$2,346/mo
Today · 4.125%
HK$90,906
baseline
▲ 0.50% · 4.625%
HK$95,698
+HK$4,792/mo
Deposit HK$17.00M · loan HK$17.00M · min. income ≈ HK$181,812/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,031
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,925
−HK$2,940/mo
Today · 4.125%
HK$98,865
baseline
▲ 0.50% · 4.625%
HK$104,880
+HK$6,015/mo
Deposit HK$13.60M · loan HK$20.40M · min. income ≈ HK$197,730/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,496
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$106,272
−HK$2,815/mo
Today · 4.125%
HK$109,087
baseline
▲ 0.50% · 4.625%
HK$114,838
+HK$5,751/mo
Deposit HK$13.60M · loan HK$20.40M · min. income ≈ HK$218,174/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,536
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$111,912
−HK$3,430/mo
Today · 4.125%
HK$115,342
baseline
▲ 0.50% · 4.625%
HK$122,360
+HK$7,018/mo
Deposit HK$10.20M · loan HK$23.80M · min. income ≈ HK$230,684/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,745
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$123,984
−HK$3,285/mo
Today · 4.125%
HK$127,269
baseline
▲ 0.50% · 4.625%
HK$133,977
+HK$6,708/mo
Deposit HK$10.20M · loan HK$23.80M · min. income ≈ HK$254,538/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,546
−HK$8,751/mo
▼ 0.25% · 3.875%
HK$143,887
−HK$4,410/mo
Today · 4.125%
HK$148,297
baseline
▲ 0.50% · 4.625%
HK$157,321
+HK$9,024/mo
Deposit HK$3.40M · loan HK$30.60M · min. income ≈ HK$296,594/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,244
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$159,407
−HK$4,224/mo
Today · 4.125%
HK$163,631
baseline
▲ 0.50% · 4.625%
HK$172,256
+HK$8,625/mo
Deposit HK$3.40M · loan HK$30.60M · min. income ≈ HK$327,262/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,945 · Scale 2, in force from 26 Feb 2026)