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$77,521
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,932
−HK$2,450/mo
Today · 4.125%
HK$82,382
baseline
▲ 0.50% · 4.625%
HK$87,395
+HK$5,013/mo
Deposit HK$17.00M · loan HK$17.00M · min. income ≈ HK$164,764/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,241
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,554
−HK$2,346/mo
Today · 4.125%
HK$90,900
baseline
▲ 0.50% · 4.625%
HK$95,692
+HK$4,792/mo
Deposit HK$17.00M · loan HK$17.00M · min. income ≈ HK$181,800/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,025
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,918
−HK$2,940/mo
Today · 4.125%
HK$98,858
baseline
▲ 0.50% · 4.625%
HK$104,873
+HK$6,015/mo
Deposit HK$13.60M · loan HK$20.40M · min. income ≈ HK$197,716/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,489
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$106,265
−HK$2,815/mo
Today · 4.125%
HK$109,080
baseline
▲ 0.50% · 4.625%
HK$114,830
+HK$5,750/mo
Deposit HK$13.60M · loan HK$20.40M · min. income ≈ HK$218,160/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,529
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$111,905
−HK$3,429/mo
Today · 4.125%
HK$115,334
baseline
▲ 0.50% · 4.625%
HK$122,352
+HK$7,018/mo
Deposit HK$10.20M · loan HK$23.80M · min. income ≈ HK$230,668/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,737
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$123,975
−HK$3,285/mo
Today · 4.125%
HK$127,260
baseline
▲ 0.50% · 4.625%
HK$133,968
+HK$6,708/mo
Deposit HK$10.20M · loan HK$23.80M · min. income ≈ HK$254,520/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,537
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$143,877
−HK$4,410/mo
Today · 4.125%
HK$148,287
baseline
▲ 0.50% · 4.625%
HK$157,310
+HK$9,023/mo
Deposit HK$3.40M · loan HK$30.60M · min. income ≈ HK$296,574/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,233
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$159,397
−HK$4,223/mo
Today · 4.125%
HK$163,620
baseline
▲ 0.50% · 4.625%
HK$172,245
+HK$8,625/mo
Deposit HK$3.40M · loan HK$30.60M · min. income ≈ HK$327,240/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,848 · Scale 2, in force from 26 Feb 2026)