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$79,827
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,310
−HK$2,523/mo
Today · 4.125%
HK$84,833
baseline
▲ 0.50% · 4.625%
HK$89,995
+HK$5,162/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$169,666/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,807
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,189
−HK$2,416/mo
Today · 4.125%
HK$93,605
baseline
▲ 0.50% · 4.625%
HK$98,539
+HK$4,934/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$187,210/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,793
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,772
−HK$3,028/mo
Today · 4.125%
HK$101,800
baseline
▲ 0.50% · 4.625%
HK$107,994
+HK$6,194/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$203,600/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,568
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,426
−HK$2,900/mo
Today · 4.125%
HK$112,326
baseline
▲ 0.50% · 4.625%
HK$118,247
+HK$5,921/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$224,652/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,758
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$115,234
−HK$3,532/mo
Today · 4.125%
HK$118,766
baseline
▲ 0.50% · 4.625%
HK$125,993
+HK$7,227/mo
Deposit HK$10.50M · loan HK$24.51M · min. income ≈ HK$237,532/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,330
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$127,664
−HK$3,383/mo
Today · 4.125%
HK$131,047
baseline
▲ 0.50% · 4.625%
HK$137,955
+HK$6,908/mo
Deposit HK$10.50M · loan HK$24.51M · min. income ≈ HK$262,094/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,689
−HK$9,011/mo
▼ 0.25% · 3.875%
HK$148,159
−HK$4,541/mo
Today · 4.125%
HK$152,700
baseline
▲ 0.50% · 4.625%
HK$161,991
+HK$9,291/mo
Deposit HK$3.50M · loan HK$31.51M · min. income ≈ HK$305,400/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,853
−HK$8,636/mo
▼ 0.25% · 3.875%
HK$164,140
−HK$4,349/mo
Today · 4.125%
HK$168,489
baseline
▲ 0.50% · 4.625%
HK$177,370
+HK$8,881/mo
Deposit HK$3.50M · loan HK$31.51M · min. income ≈ HK$336,978/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,841 · Scale 2, in force from 26 Feb 2026)