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$77,550
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,962
−HK$2,451/mo
Today · 4.125%
HK$82,413
baseline
▲ 0.50% · 4.625%
HK$87,428
+HK$5,015/mo
Deposit HK$17.00M · loan HK$17.00M · min. income ≈ HK$164,826/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,445,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,273
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,587
−HK$2,347/mo
Today · 4.125%
HK$90,934
baseline
▲ 0.50% · 4.625%
HK$95,728
+HK$4,794/mo
Deposit HK$17.00M · loan HK$17.00M · min. income ≈ HK$181,868/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,445,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,060
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,954
−HK$2,941/mo
Today · 4.125%
HK$98,895
baseline
▲ 0.50% · 4.625%
HK$104,913
+HK$6,018/mo
Deposit HK$13.60M · loan HK$20.41M · min. income ≈ HK$197,790/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,528
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,305
−HK$2,816/mo
Today · 4.125%
HK$109,121
baseline
▲ 0.50% · 4.625%
HK$114,873
+HK$5,752/mo
Deposit HK$13.60M · loan HK$20.41M · min. income ≈ HK$218,242/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,570
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$111,947
−HK$3,431/mo
Today · 4.125%
HK$115,378
baseline
▲ 0.50% · 4.625%
HK$122,399
+HK$7,021/mo
Deposit HK$10.20M · loan HK$23.81M · min. income ≈ HK$230,756/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,783
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$124,022
−HK$3,286/mo
Today · 4.125%
HK$127,308
baseline
▲ 0.50% · 4.625%
HK$134,019
+HK$6,711/mo
Deposit HK$10.20M · loan HK$23.81M · min. income ≈ HK$254,616/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,590
−HK$8,753/mo
▼ 0.25% · 3.875%
HK$143,932
−HK$4,411/mo
Today · 4.125%
HK$148,343
baseline
▲ 0.50% · 4.625%
HK$157,370
+HK$9,027/mo
Deposit HK$3.40M · loan HK$30.61M · min. income ≈ HK$296,686/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,292
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$159,457
−HK$4,225/mo
Today · 4.125%
HK$163,682
baseline
▲ 0.50% · 4.625%
HK$172,310
+HK$8,628/mo
Deposit HK$3.40M · loan HK$30.61M · min. income ≈ HK$327,364/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,394 · Scale 2, in force from 26 Feb 2026)