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$79,823
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,306
−HK$2,523/mo
Today · 4.125%
HK$84,829
baseline
▲ 0.50% · 4.625%
HK$89,990
+HK$5,161/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$169,658/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,802
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,184
−HK$2,416/mo
Today · 4.125%
HK$93,600
baseline
▲ 0.50% · 4.625%
HK$98,534
+HK$4,934/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$187,200/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,788
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,767
−HK$3,027/mo
Today · 4.125%
HK$101,794
baseline
▲ 0.50% · 4.625%
HK$107,988
+HK$6,194/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$203,588/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,563
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,421
−HK$2,899/mo
Today · 4.125%
HK$112,320
baseline
▲ 0.50% · 4.625%
HK$118,241
+HK$5,921/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$224,640/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,752
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$115,228
−HK$3,532/mo
Today · 4.125%
HK$118,760
baseline
▲ 0.50% · 4.625%
HK$125,986
+HK$7,226/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$237,520/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,323
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$127,657
−HK$3,383/mo
Today · 4.125%
HK$131,040
baseline
▲ 0.50% · 4.625%
HK$137,947
+HK$6,907/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$262,080/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,681
−HK$9,010/mo
▼ 0.25% · 3.875%
HK$148,151
−HK$4,540/mo
Today · 4.125%
HK$152,691
baseline
▲ 0.50% · 4.625%
HK$161,982
+HK$9,291/mo
Deposit HK$3.50M · loan HK$31.51M · min. income ≈ HK$305,382/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,844
−HK$8,636/mo
▼ 0.25% · 3.875%
HK$164,131
−HK$4,349/mo
Today · 4.125%
HK$168,480
baseline
▲ 0.50% · 4.625%
HK$177,361
+HK$8,881/mo
Deposit HK$3.50M · loan HK$31.51M · min. income ≈ HK$336,960/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,761 · Scale 2, in force from 26 Feb 2026)