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$79,794
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,276
−HK$2,521/mo
Today · 4.125%
HK$84,797
baseline
▲ 0.50% · 4.625%
HK$89,957
+HK$5,160/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$169,594/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,487,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,770
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,150
−HK$2,416/mo
Today · 4.125%
HK$93,566
baseline
▲ 0.50% · 4.625%
HK$98,498
+HK$4,932/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$187,132/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,487,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,752
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$98,731
−HK$3,026/mo
Today · 4.125%
HK$101,757
baseline
▲ 0.50% · 4.625%
HK$107,949
+HK$6,192/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$203,514/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,487,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,524
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,381
−HK$2,898/mo
Today · 4.125%
HK$112,279
baseline
▲ 0.50% · 4.625%
HK$118,197
+HK$5,918/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$224,558/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,487,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,711
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,186
−HK$3,530/mo
Today · 4.125%
HK$118,716
baseline
▲ 0.50% · 4.625%
HK$125,940
+HK$7,224/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$237,432/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,278
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$127,611
−HK$3,381/mo
Today · 4.125%
HK$130,992
baseline
▲ 0.50% · 4.625%
HK$137,897
+HK$6,905/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$261,984/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,629
−HK$9,006/mo
▼ 0.25% · 3.875%
HK$148,096
−HK$4,539/mo
Today · 4.125%
HK$152,635
baseline
▲ 0.50% · 4.625%
HK$161,923
+HK$9,288/mo
Deposit HK$3.50M · loan HK$31.49M · min. income ≈ HK$305,270/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,785
−HK$8,633/mo
▼ 0.25% · 3.875%
HK$164,071
−HK$4,347/mo
Today · 4.125%
HK$168,418
baseline
▲ 0.50% · 4.625%
HK$177,296
+HK$8,878/mo
Deposit HK$3.50M · loan HK$31.49M · min. income ≈ HK$336,836/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,215 · Scale 2, in force from 26 Feb 2026)