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$77,530
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,942
−HK$2,450/mo
Today · 4.125%
HK$82,392
baseline
▲ 0.50% · 4.625%
HK$87,405
+HK$5,013/mo
Deposit HK$17.00M · loan HK$17.00M · min. income ≈ HK$164,784/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,445,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,251
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,565
−HK$2,346/mo
Today · 4.125%
HK$90,911
baseline
▲ 0.50% · 4.625%
HK$95,703
+HK$4,792/mo
Deposit HK$17.00M · loan HK$17.00M · min. income ≈ HK$181,822/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,445,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,036
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,930
−HK$2,940/mo
Today · 4.125%
HK$98,870
baseline
▲ 0.50% · 4.625%
HK$104,886
+HK$6,016/mo
Deposit HK$13.60M · loan HK$20.40M · min. income ≈ HK$197,740/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,502
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,278
−HK$2,816/mo
Today · 4.125%
HK$109,094
baseline
▲ 0.50% · 4.625%
HK$114,844
+HK$5,750/mo
Deposit HK$13.60M · loan HK$20.40M · min. income ≈ HK$218,188/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,542
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$111,918
−HK$3,431/mo
Today · 4.125%
HK$115,349
baseline
▲ 0.50% · 4.625%
HK$122,367
+HK$7,018/mo
Deposit HK$10.20M · loan HK$23.80M · min. income ≈ HK$230,698/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,752
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$123,991
−HK$3,285/mo
Today · 4.125%
HK$127,276
baseline
▲ 0.50% · 4.625%
HK$133,985
+HK$6,709/mo
Deposit HK$10.20M · loan HK$23.80M · min. income ≈ HK$254,552/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,554
−HK$8,751/mo
▼ 0.25% · 3.875%
HK$143,895
−HK$4,410/mo
Today · 4.125%
HK$148,305
baseline
▲ 0.50% · 4.625%
HK$157,330
+HK$9,025/mo
Deposit HK$3.40M · loan HK$30.60M · min. income ≈ HK$296,610/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,253
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$159,416
−HK$4,224/mo
Today · 4.125%
HK$163,640
baseline
▲ 0.50% · 4.625%
HK$172,266
+HK$8,626/mo
Deposit HK$3.40M · loan HK$30.60M · min. income ≈ HK$327,280/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,027 · Scale 2, in force from 26 Feb 2026)