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$72,977
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,247
−HK$2,306/mo
Today · 4.125%
HK$77,553
baseline
▲ 0.50% · 4.625%
HK$82,272
+HK$4,719/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,106/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,186
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,364
−HK$2,208/mo
Today · 4.125%
HK$85,572
baseline
▲ 0.50% · 4.625%
HK$90,083
+HK$4,511/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,144/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,572
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,296
−HK$2,768/mo
Today · 4.125%
HK$93,064
baseline
▲ 0.50% · 4.625%
HK$98,727
+HK$5,663/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,128/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,423
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,036
−HK$2,651/mo
Today · 4.125%
HK$102,687
baseline
▲ 0.50% · 4.625%
HK$108,100
+HK$5,413/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,374/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,168
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,346
−HK$3,229/mo
Today · 4.125%
HK$108,575
baseline
▲ 0.50% · 4.625%
HK$115,181
+HK$6,606/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,150/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,661
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,709
−HK$3,092/mo
Today · 4.125%
HK$119,801
baseline
▲ 0.50% · 4.625%
HK$126,116
+HK$6,315/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,602/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,359
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$135,445
−HK$4,151/mo
Today · 4.125%
HK$139,596
baseline
▲ 0.50% · 4.625%
HK$148,090
+HK$8,494/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$279,192/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,135
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$150,054
−HK$3,976/mo
Today · 4.125%
HK$154,030
baseline
▲ 0.50% · 4.625%
HK$162,149
+HK$8,119/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$308,060/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,164 · Scale 2, in force from 26 Feb 2026)