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$77,507
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,918
−HK$2,449/mo
Today · 4.125%
HK$82,367
baseline
▲ 0.50% · 4.625%
HK$87,379
+HK$5,012/mo
Deposit HK$17.00M · loan HK$17.00M · min. income ≈ HK$164,734/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,225
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,538
−HK$2,346/mo
Today · 4.125%
HK$90,884
baseline
▲ 0.50% · 4.625%
HK$95,674
+HK$4,790/mo
Deposit HK$17.00M · loan HK$17.00M · min. income ≈ HK$181,768/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,444,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,008
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,901
−HK$2,939/mo
Today · 4.125%
HK$98,840
baseline
▲ 0.50% · 4.625%
HK$104,855
+HK$6,015/mo
Deposit HK$13.60M · loan HK$20.39M · min. income ≈ HK$197,680/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,470
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$106,245
−HK$2,816/mo
Today · 4.125%
HK$109,061
baseline
▲ 0.50% · 4.625%
HK$114,809
+HK$5,748/mo
Deposit HK$13.60M · loan HK$20.39M · min. income ≈ HK$218,122/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,444,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,509
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$111,885
−HK$3,429/mo
Today · 4.125%
HK$115,314
baseline
▲ 0.50% · 4.625%
HK$122,330
+HK$7,016/mo
Deposit HK$10.20M · loan HK$23.79M · min. income ≈ HK$230,628/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,716
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$123,953
−HK$3,284/mo
Today · 4.125%
HK$127,237
baseline
▲ 0.50% · 4.625%
HK$133,944
+HK$6,707/mo
Deposit HK$10.20M · loan HK$23.79M · min. income ≈ HK$254,474/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,444,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,512
−HK$8,749/mo
▼ 0.25% · 3.875%
HK$143,852
−HK$4,409/mo
Today · 4.125%
HK$148,261
baseline
▲ 0.50% · 4.625%
HK$157,282
+HK$9,021/mo
Deposit HK$3.40M · loan HK$30.59M · min. income ≈ HK$296,522/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,206
−HK$8,385/mo
▼ 0.25% · 3.875%
HK$159,368
−HK$4,223/mo
Today · 4.125%
HK$163,591
baseline
▲ 0.50% · 4.625%
HK$172,214
+HK$8,623/mo
Deposit HK$3.40M · loan HK$30.59M · min. income ≈ HK$327,182/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,444,589 · Scale 2, in force from 26 Feb 2026)