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$72,979
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,249
−HK$2,307/mo
Today · 4.125%
HK$77,556
baseline
▲ 0.50% · 4.625%
HK$82,275
+HK$4,719/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,112/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,189
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,366
−HK$2,209/mo
Today · 4.125%
HK$85,575
baseline
▲ 0.50% · 4.625%
HK$90,086
+HK$4,511/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,150/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,575
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,299
−HK$2,768/mo
Today · 4.125%
HK$93,067
baseline
▲ 0.50% · 4.625%
HK$98,730
+HK$5,663/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,134/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,426
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,039
−HK$2,651/mo
Today · 4.125%
HK$102,690
baseline
▲ 0.50% · 4.625%
HK$108,103
+HK$5,413/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,380/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,171
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,349
−HK$3,229/mo
Today · 4.125%
HK$108,578
baseline
▲ 0.50% · 4.625%
HK$115,185
+HK$6,607/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,156/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,664
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,713
−HK$3,092/mo
Today · 4.125%
HK$119,805
baseline
▲ 0.50% · 4.625%
HK$126,120
+HK$6,315/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,610/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,363
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$135,449
−HK$4,151/mo
Today · 4.125%
HK$139,600
baseline
▲ 0.50% · 4.625%
HK$148,095
+HK$8,495/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$279,200/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,140
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$150,059
−HK$3,976/mo
Today · 4.125%
HK$154,035
baseline
▲ 0.50% · 4.625%
HK$162,155
+HK$8,120/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$308,070/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,207 · Scale 2, in force from 26 Feb 2026)