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$79,821
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,304
−HK$2,523/mo
Today · 4.125%
HK$84,827
baseline
▲ 0.50% · 4.625%
HK$89,988
+HK$5,161/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$169,654/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,800
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,182
−HK$2,416/mo
Today · 4.125%
HK$93,598
baseline
▲ 0.50% · 4.625%
HK$98,532
+HK$4,934/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$187,196/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,786
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,765
−HK$3,027/mo
Today · 4.125%
HK$101,792
baseline
▲ 0.50% · 4.625%
HK$107,986
+HK$6,194/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$203,584/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,561
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,418
−HK$2,900/mo
Today · 4.125%
HK$112,318
baseline
▲ 0.50% · 4.625%
HK$118,238
+HK$5,920/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$224,636/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,750
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$115,226
−HK$3,532/mo
Today · 4.125%
HK$118,758
baseline
▲ 0.50% · 4.625%
HK$125,984
+HK$7,226/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$237,516/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,321
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$127,655
−HK$3,382/mo
Today · 4.125%
HK$131,037
baseline
▲ 0.50% · 4.625%
HK$137,944
+HK$6,907/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$262,074/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,678
−HK$9,010/mo
▼ 0.25% · 3.875%
HK$148,148
−HK$4,540/mo
Today · 4.125%
HK$152,688
baseline
▲ 0.50% · 4.625%
HK$161,979
+HK$9,291/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$305,376/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,841
−HK$8,635/mo
▼ 0.25% · 3.875%
HK$164,128
−HK$4,348/mo
Today · 4.125%
HK$168,476
baseline
▲ 0.50% · 4.625%
HK$177,357
+HK$8,881/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$336,952/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,731 · Scale 2, in force from 26 Feb 2026)