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$79,817
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,300
−HK$2,522/mo
Today · 4.125%
HK$84,822
baseline
▲ 0.50% · 4.625%
HK$89,984
+HK$5,162/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$169,644/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,796
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,177
−HK$2,416/mo
Today · 4.125%
HK$93,593
baseline
▲ 0.50% · 4.625%
HK$98,527
+HK$4,934/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$187,186/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,781
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,760
−HK$3,027/mo
Today · 4.125%
HK$101,787
baseline
▲ 0.50% · 4.625%
HK$107,980
+HK$6,193/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$203,574/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,555
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,413
−HK$2,899/mo
Today · 4.125%
HK$112,312
baseline
▲ 0.50% · 4.625%
HK$118,232
+HK$5,920/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$224,624/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,744
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,220
−HK$3,531/mo
Today · 4.125%
HK$118,751
baseline
▲ 0.50% · 4.625%
HK$125,977
+HK$7,226/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$237,502/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,314
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$127,648
−HK$3,382/mo
Today · 4.125%
HK$131,030
baseline
▲ 0.50% · 4.625%
HK$137,937
+HK$6,907/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$262,060/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,671
−HK$9,009/mo
▼ 0.25% · 3.875%
HK$148,140
−HK$4,540/mo
Today · 4.125%
HK$152,680
baseline
▲ 0.50% · 4.625%
HK$161,970
+HK$9,290/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$305,360/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,832
−HK$8,636/mo
▼ 0.25% · 3.875%
HK$164,119
−HK$4,349/mo
Today · 4.125%
HK$168,468
baseline
▲ 0.50% · 4.625%
HK$177,348
+HK$8,880/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$336,936/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,652 · Scale 2, in force from 26 Feb 2026)