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$72,969
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,238
−HK$2,306/mo
Today · 4.125%
HK$77,544
baseline
▲ 0.50% · 4.625%
HK$82,263
+HK$4,719/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,088/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,177
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,354
−HK$2,208/mo
Today · 4.125%
HK$85,562
baseline
▲ 0.50% · 4.625%
HK$90,073
+HK$4,511/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,124/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,562
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,286
−HK$2,767/mo
Today · 4.125%
HK$93,053
baseline
▲ 0.50% · 4.625%
HK$98,715
+HK$5,662/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,106/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,412
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,025
−HK$2,650/mo
Today · 4.125%
HK$102,675
baseline
▲ 0.50% · 4.625%
HK$108,087
+HK$5,412/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,350/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,156
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,334
−HK$3,228/mo
Today · 4.125%
HK$108,562
baseline
▲ 0.50% · 4.625%
HK$115,168
+HK$6,606/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,124/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,647
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,695
−HK$3,092/mo
Today · 4.125%
HK$119,787
baseline
▲ 0.50% · 4.625%
HK$126,102
+HK$6,315/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,574/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,343
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$135,429
−HK$4,151/mo
Today · 4.125%
HK$139,580
baseline
▲ 0.50% · 4.625%
HK$148,073
+HK$8,493/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$279,160/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,118
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$150,037
−HK$3,975/mo
Today · 4.125%
HK$154,012
baseline
▲ 0.50% · 4.625%
HK$162,131
+HK$8,119/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$308,024/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,006 · Scale 2, in force from 26 Feb 2026)