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$79,829
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,313
−HK$2,522/mo
Today · 4.125%
HK$84,835
baseline
▲ 0.50% · 4.625%
HK$89,998
+HK$5,163/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$169,670/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,809
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,191
−HK$2,417/mo
Today · 4.125%
HK$93,608
baseline
▲ 0.50% · 4.625%
HK$98,542
+HK$4,934/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$187,216/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,795
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$98,775
−HK$3,028/mo
Today · 4.125%
HK$101,803
baseline
▲ 0.50% · 4.625%
HK$107,997
+HK$6,194/mo
Deposit HK$14.00M · loan HK$21.01M · min. income ≈ HK$203,606/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,571
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,430
−HK$2,899/mo
Today · 4.125%
HK$112,329
baseline
▲ 0.50% · 4.625%
HK$118,250
+HK$5,921/mo
Deposit HK$14.00M · loan HK$21.01M · min. income ≈ HK$224,658/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,761
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$115,238
−HK$3,532/mo
Today · 4.125%
HK$118,770
baseline
▲ 0.50% · 4.625%
HK$125,997
+HK$7,227/mo
Deposit HK$10.50M · loan HK$24.51M · min. income ≈ HK$237,540/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,333
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$127,668
−HK$3,383/mo
Today · 4.125%
HK$131,051
baseline
▲ 0.50% · 4.625%
HK$137,958
+HK$6,907/mo
Deposit HK$10.50M · loan HK$24.51M · min. income ≈ HK$262,102/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,693
−HK$9,011/mo
▼ 0.25% · 3.875%
HK$148,163
−HK$4,541/mo
Today · 4.125%
HK$152,704
baseline
▲ 0.50% · 4.625%
HK$161,996
+HK$9,292/mo
Deposit HK$3.50M · loan HK$31.51M · min. income ≈ HK$305,408/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,857
−HK$8,637/mo
▼ 0.25% · 3.875%
HK$164,144
−HK$4,350/mo
Today · 4.125%
HK$168,494
baseline
▲ 0.50% · 4.625%
HK$177,375
+HK$8,881/mo
Deposit HK$3.50M · loan HK$31.51M · min. income ≈ HK$336,988/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,882 · Scale 2, in force from 26 Feb 2026)