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$79,798
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,280
−HK$2,522/mo
Today · 4.125%
HK$84,802
baseline
▲ 0.50% · 4.625%
HK$89,962
+HK$5,160/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$169,604/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,487,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,774
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,155
−HK$2,415/mo
Today · 4.125%
HK$93,570
baseline
▲ 0.50% · 4.625%
HK$98,503
+HK$4,933/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$187,140/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,487,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,757
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$98,736
−HK$3,026/mo
Today · 4.125%
HK$101,762
baseline
▲ 0.50% · 4.625%
HK$107,954
+HK$6,192/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$203,524/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,529
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,386
−HK$2,898/mo
Today · 4.125%
HK$112,284
baseline
▲ 0.50% · 4.625%
HK$118,203
+HK$5,919/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$224,568/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,717
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,192
−HK$3,530/mo
Today · 4.125%
HK$118,722
baseline
▲ 0.50% · 4.625%
HK$125,946
+HK$7,224/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$237,444/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,284
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$127,617
−HK$3,382/mo
Today · 4.125%
HK$130,999
baseline
▲ 0.50% · 4.625%
HK$137,904
+HK$6,905/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$261,998/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,636
−HK$9,007/mo
▼ 0.25% · 3.875%
HK$148,104
−HK$4,539/mo
Today · 4.125%
HK$152,643
baseline
▲ 0.50% · 4.625%
HK$161,931
+HK$9,288/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$305,286/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,794
−HK$8,633/mo
▼ 0.25% · 3.875%
HK$164,079
−HK$4,348/mo
Today · 4.125%
HK$168,427
baseline
▲ 0.50% · 4.625%
HK$177,305
+HK$8,878/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$336,854/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,291 · Scale 2, in force from 26 Feb 2026)