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$72,985
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,255
−HK$2,307/mo
Today · 4.125%
HK$77,562
baseline
▲ 0.50% · 4.625%
HK$82,281
+HK$4,719/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,124/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,195
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,373
−HK$2,209/mo
Today · 4.125%
HK$85,582
baseline
▲ 0.50% · 4.625%
HK$90,093
+HK$4,511/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,164/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,582
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,306
−HK$2,768/mo
Today · 4.125%
HK$93,074
baseline
▲ 0.50% · 4.625%
HK$98,737
+HK$5,663/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,148/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,434
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,047
−HK$2,651/mo
Today · 4.125%
HK$102,698
baseline
▲ 0.50% · 4.625%
HK$108,111
+HK$5,413/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,396/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,179
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,357
−HK$3,229/mo
Today · 4.125%
HK$108,586
baseline
▲ 0.50% · 4.625%
HK$115,194
+HK$6,608/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$217,172/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,673
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,722
−HK$3,092/mo
Today · 4.125%
HK$119,814
baseline
▲ 0.50% · 4.625%
HK$126,130
+HK$6,316/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$239,628/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,373
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$135,459
−HK$4,152/mo
Today · 4.125%
HK$139,611
baseline
▲ 0.50% · 4.625%
HK$148,106
+HK$8,495/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$279,222/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,151
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$150,071
−HK$3,976/mo
Today · 4.125%
HK$154,047
baseline
▲ 0.50% · 4.625%
HK$162,167
+HK$8,120/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$308,094/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,311 · Scale 2, in force from 26 Feb 2026)