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$79,797
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,279
−HK$2,522/mo
Today · 4.125%
HK$84,801
baseline
▲ 0.50% · 4.625%
HK$89,961
+HK$5,160/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$169,602/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,487,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,773
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,154
−HK$2,415/mo
Today · 4.125%
HK$93,569
baseline
▲ 0.50% · 4.625%
HK$98,502
+HK$4,933/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$187,138/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,487,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,756
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$98,735
−HK$3,026/mo
Today · 4.125%
HK$101,761
baseline
▲ 0.50% · 4.625%
HK$107,953
+HK$6,192/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$203,522/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,528
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,385
−HK$2,898/mo
Today · 4.125%
HK$112,283
baseline
▲ 0.50% · 4.625%
HK$118,202
+HK$5,919/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$224,566/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,716
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,191
−HK$3,530/mo
Today · 4.125%
HK$118,721
baseline
▲ 0.50% · 4.625%
HK$125,945
+HK$7,224/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$237,442/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,283
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$127,616
−HK$3,381/mo
Today · 4.125%
HK$130,997
baseline
▲ 0.50% · 4.625%
HK$137,902
+HK$6,905/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$261,994/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,635
−HK$9,007/mo
▼ 0.25% · 3.875%
HK$148,102
−HK$4,540/mo
Today · 4.125%
HK$152,642
baseline
▲ 0.50% · 4.625%
HK$161,930
+HK$9,288/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$305,284/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,792
−HK$8,633/mo
▼ 0.25% · 3.875%
HK$164,078
−HK$4,347/mo
Today · 4.125%
HK$168,425
baseline
▲ 0.50% · 4.625%
HK$177,303
+HK$8,878/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$336,850/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,276 · Scale 2, in force from 26 Feb 2026)