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$72,991
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,261
−HK$2,307/mo
Today · 4.125%
HK$77,568
baseline
▲ 0.50% · 4.625%
HK$82,288
+HK$4,720/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,136/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,202
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,379
−HK$2,210/mo
Today · 4.125%
HK$85,589
baseline
▲ 0.50% · 4.625%
HK$90,100
+HK$4,511/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,178/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,589
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,314
−HK$2,768/mo
Today · 4.125%
HK$93,082
baseline
▲ 0.50% · 4.625%
HK$98,745
+HK$5,663/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$186,164/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,442
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,055
−HK$2,651/mo
Today · 4.125%
HK$102,706
baseline
▲ 0.50% · 4.625%
HK$108,120
+HK$5,414/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$205,412/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,187
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,366
−HK$3,229/mo
Today · 4.125%
HK$108,595
baseline
▲ 0.50% · 4.625%
HK$115,203
+HK$6,608/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$217,190/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,682
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,731
−HK$3,093/mo
Today · 4.125%
HK$119,824
baseline
▲ 0.50% · 4.625%
HK$126,140
+HK$6,316/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$239,648/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,384
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$135,470
−HK$4,152/mo
Today · 4.125%
HK$139,622
baseline
▲ 0.50% · 4.625%
HK$148,118
+HK$8,496/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$279,244/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,163
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$150,083
−HK$3,977/mo
Today · 4.125%
HK$154,060
baseline
▲ 0.50% · 4.625%
HK$162,180
+HK$8,120/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$308,120/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,423 · Scale 2, in force from 26 Feb 2026)