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$82,285
+HK$4,720/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$1,360,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,199
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,376
−HK$2,209/mo
Today · 4.125%
HK$85,585
baseline
▲ 0.50% · 4.625%
HK$90,097
+HK$4,512/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$1,360,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,586
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,310
−HK$2,768/mo
Today · 4.125%
HK$93,078
baseline
▲ 0.50% · 4.625%
HK$98,742
+HK$5,664/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$186,156/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,438
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,051
−HK$2,652/mo
Today · 4.125%
HK$102,703
baseline
▲ 0.50% · 4.625%
HK$108,116
+HK$5,413/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$205,406/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,183
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,362
−HK$3,229/mo
Today · 4.125%
HK$108,591
baseline
▲ 0.50% · 4.625%
HK$115,199
+HK$6,608/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$217,182/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,678
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,727
−HK$3,093/mo
Today · 4.125%
HK$119,820
baseline
▲ 0.50% · 4.625%
HK$126,135
+HK$6,315/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$239,640/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,379
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$135,465
−HK$4,152/mo
Today · 4.125%
HK$139,617
baseline
▲ 0.50% · 4.625%
HK$148,113
+HK$8,496/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$279,234/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,157
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$150,077
−HK$3,977/mo
Today · 4.125%
HK$154,054
baseline
▲ 0.50% · 4.625%
HK$162,174
+HK$8,120/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$308,108/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,371 · Scale 2, in force from 26 Feb 2026)