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$72,950
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,219
−HK$2,306/mo
Today · 4.125%
HK$77,525
baseline
▲ 0.50% · 4.625%
HK$82,242
+HK$4,717/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,050/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,156
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,333
−HK$2,208/mo
Today · 4.125%
HK$85,541
baseline
▲ 0.50% · 4.625%
HK$90,050
+HK$4,509/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,082/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,540
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,263
−HK$2,767/mo
Today · 4.125%
HK$93,030
baseline
▲ 0.50% · 4.625%
HK$98,690
+HK$5,660/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,060/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,388
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,999
−HK$2,650/mo
Today · 4.125%
HK$102,649
baseline
▲ 0.50% · 4.625%
HK$108,060
+HK$5,411/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,298/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,130
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,307
−HK$3,228/mo
Today · 4.125%
HK$108,535
baseline
▲ 0.50% · 4.625%
HK$115,139
+HK$6,604/mo
Deposit HK$9.60M · loan HK$22.39M · min. income ≈ HK$217,070/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,619
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,666
−HK$3,091/mo
Today · 4.125%
HK$119,757
baseline
▲ 0.50% · 4.625%
HK$126,070
+HK$6,313/mo
Deposit HK$9.60M · loan HK$22.39M · min. income ≈ HK$239,514/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,310
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$135,395
−HK$4,150/mo
Today · 4.125%
HK$139,545
baseline
▲ 0.50% · 4.625%
HK$148,036
+HK$8,491/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$279,090/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,081
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$149,999
−HK$3,975/mo
Today · 4.125%
HK$153,974
baseline
▲ 0.50% · 4.625%
HK$162,090
+HK$8,116/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$307,948/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,664 · Scale 2, in force from 26 Feb 2026)