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$72,988
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,258
−HK$2,307/mo
Today · 4.125%
HK$77,565
baseline
▲ 0.50% · 4.625%
HK$82,284
+HK$4,719/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,130/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,198
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,376
−HK$2,209/mo
Today · 4.125%
HK$85,585
baseline
▲ 0.50% · 4.625%
HK$90,096
+HK$4,511/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,170/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,585
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,309
−HK$2,768/mo
Today · 4.125%
HK$93,077
baseline
▲ 0.50% · 4.625%
HK$98,741
+HK$5,664/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$186,154/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,437
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,051
−HK$2,651/mo
Today · 4.125%
HK$102,702
baseline
▲ 0.50% · 4.625%
HK$108,115
+HK$5,413/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$205,404/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,183
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,361
−HK$3,229/mo
Today · 4.125%
HK$108,590
baseline
▲ 0.50% · 4.625%
HK$115,198
+HK$6,608/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$217,180/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,677
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,726
−HK$3,093/mo
Today · 4.125%
HK$119,819
baseline
▲ 0.50% · 4.625%
HK$126,135
+HK$6,316/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$239,638/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,378
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$135,464
−HK$4,152/mo
Today · 4.125%
HK$139,616
baseline
▲ 0.50% · 4.625%
HK$148,111
+HK$8,495/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$279,232/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,156
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$150,076
−HK$3,977/mo
Today · 4.125%
HK$154,053
baseline
▲ 0.50% · 4.625%
HK$162,173
+HK$8,120/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$308,106/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,361 · Scale 2, in force from 26 Feb 2026)