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$72,986
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,256
−HK$2,307/mo
Today · 4.125%
HK$77,563
baseline
▲ 0.50% · 4.625%
HK$82,282
+HK$4,719/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,126/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,196
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,374
−HK$2,209/mo
Today · 4.125%
HK$85,583
baseline
▲ 0.50% · 4.625%
HK$90,094
+HK$4,511/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,166/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,583
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,307
−HK$2,768/mo
Today · 4.125%
HK$93,075
baseline
▲ 0.50% · 4.625%
HK$98,739
+HK$5,664/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,150/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,435
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,048
−HK$2,651/mo
Today · 4.125%
HK$102,699
baseline
▲ 0.50% · 4.625%
HK$108,113
+HK$5,414/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,398/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,180
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,359
−HK$3,229/mo
Today · 4.125%
HK$108,588
baseline
▲ 0.50% · 4.625%
HK$115,195
+HK$6,607/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$217,176/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,675
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,723
−HK$3,093/mo
Today · 4.125%
HK$119,816
baseline
▲ 0.50% · 4.625%
HK$126,132
+HK$6,316/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$239,632/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,375
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$135,461
−HK$4,152/mo
Today · 4.125%
HK$139,613
baseline
▲ 0.50% · 4.625%
HK$148,108
+HK$8,495/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$279,226/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,153
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$150,073
−HK$3,976/mo
Today · 4.125%
HK$154,049
baseline
▲ 0.50% · 4.625%
HK$162,169
+HK$8,120/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$308,098/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,330 · Scale 2, in force from 26 Feb 2026)