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$79,810
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,292
−HK$2,523/mo
Today · 4.125%
HK$84,815
baseline
▲ 0.50% · 4.625%
HK$89,975
+HK$5,160/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$169,630/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,788
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,169
−HK$2,416/mo
Today · 4.125%
HK$93,585
baseline
▲ 0.50% · 4.625%
HK$98,518
+HK$4,933/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$187,170/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,772
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,751
−HK$3,027/mo
Today · 4.125%
HK$101,778
baseline
▲ 0.50% · 4.625%
HK$107,971
+HK$6,193/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$203,556/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,545
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,403
−HK$2,899/mo
Today · 4.125%
HK$112,302
baseline
▲ 0.50% · 4.625%
HK$118,221
+HK$5,919/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$224,604/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,734
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,209
−HK$3,532/mo
Today · 4.125%
HK$118,741
baseline
▲ 0.50% · 4.625%
HK$125,966
+HK$7,225/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$237,482/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,303
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$127,637
−HK$3,382/mo
Today · 4.125%
HK$131,019
baseline
▲ 0.50% · 4.625%
HK$137,925
+HK$6,906/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$262,038/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,658
−HK$9,008/mo
▼ 0.25% · 3.875%
HK$148,126
−HK$4,540/mo
Today · 4.125%
HK$152,666
baseline
▲ 0.50% · 4.625%
HK$161,956
+HK$9,290/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$305,332/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,818
−HK$8,634/mo
▼ 0.25% · 3.875%
HK$164,104
−HK$4,348/mo
Today · 4.125%
HK$168,452
baseline
▲ 0.50% · 4.625%
HK$177,332
+HK$8,880/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$336,904/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,518 · Scale 2, in force from 26 Feb 2026)