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$79,800
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,283
−HK$2,521/mo
Today · 4.125%
HK$84,804
baseline
▲ 0.50% · 4.625%
HK$89,965
+HK$5,161/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$169,608/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,777
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,158
−HK$2,415/mo
Today · 4.125%
HK$93,573
baseline
▲ 0.50% · 4.625%
HK$98,506
+HK$4,933/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$187,146/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,760
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$98,739
−HK$3,026/mo
Today · 4.125%
HK$101,765
baseline
▲ 0.50% · 4.625%
HK$107,958
+HK$6,193/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$203,530/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,532
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$109,390
−HK$2,898/mo
Today · 4.125%
HK$112,288
baseline
▲ 0.50% · 4.625%
HK$118,207
+HK$5,919/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$224,576/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,720
−HK$7,006/mo
▼ 0.25% · 3.875%
HK$115,196
−HK$3,530/mo
Today · 4.125%
HK$118,726
baseline
▲ 0.50% · 4.625%
HK$125,950
+HK$7,224/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$237,452/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,288
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$127,621
−HK$3,382/mo
Today · 4.125%
HK$131,003
baseline
▲ 0.50% · 4.625%
HK$137,908
+HK$6,905/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$262,006/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,641
−HK$9,007/mo
▼ 0.25% · 3.875%
HK$148,109
−HK$4,539/mo
Today · 4.125%
HK$152,648
baseline
▲ 0.50% · 4.625%
HK$161,936
+HK$9,288/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$305,296/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,799
−HK$8,633/mo
▼ 0.25% · 3.875%
HK$164,084
−HK$4,348/mo
Today · 4.125%
HK$168,432
baseline
▲ 0.50% · 4.625%
HK$177,310
+HK$8,878/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$336,864/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,339 · Scale 2, in force from 26 Feb 2026)