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$79,816
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,299
−HK$2,522/mo
Today · 4.125%
HK$84,821
baseline
▲ 0.50% · 4.625%
HK$89,982
+HK$5,161/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$169,642/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,794
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,176
−HK$2,416/mo
Today · 4.125%
HK$93,592
baseline
▲ 0.50% · 4.625%
HK$98,525
+HK$4,933/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$187,184/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,779
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,758
−HK$3,027/mo
Today · 4.125%
HK$101,785
baseline
▲ 0.50% · 4.625%
HK$107,979
+HK$6,194/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$203,570/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,553
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,411
−HK$2,899/mo
Today · 4.125%
HK$112,310
baseline
▲ 0.50% · 4.625%
HK$118,230
+HK$5,920/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$224,620/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,742
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,218
−HK$3,531/mo
Today · 4.125%
HK$118,749
baseline
▲ 0.50% · 4.625%
HK$125,975
+HK$7,226/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$237,498/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,312
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$127,646
−HK$3,382/mo
Today · 4.125%
HK$131,028
baseline
▲ 0.50% · 4.625%
HK$137,935
+HK$6,907/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$262,056/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,669
−HK$9,009/mo
▼ 0.25% · 3.875%
HK$148,137
−HK$4,541/mo
Today · 4.125%
HK$152,678
baseline
▲ 0.50% · 4.625%
HK$161,968
+HK$9,290/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$305,356/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,830
−HK$8,635/mo
▼ 0.25% · 3.875%
HK$164,116
−HK$4,349/mo
Today · 4.125%
HK$168,465
baseline
▲ 0.50% · 4.625%
HK$177,345
+HK$8,880/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$336,930/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,629 · Scale 2, in force from 26 Feb 2026)