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$72,978
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,248
−HK$2,306/mo
Today · 4.125%
HK$77,554
baseline
▲ 0.50% · 4.625%
HK$82,273
+HK$4,719/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,108/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,187
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,365
−HK$2,209/mo
Today · 4.125%
HK$85,574
baseline
▲ 0.50% · 4.625%
HK$90,084
+HK$4,510/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,148/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,574
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,298
−HK$2,767/mo
Today · 4.125%
HK$93,065
baseline
▲ 0.50% · 4.625%
HK$98,728
+HK$5,663/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,130/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,425
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,038
−HK$2,650/mo
Today · 4.125%
HK$102,688
baseline
▲ 0.50% · 4.625%
HK$108,101
+HK$5,413/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,376/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,169
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,347
−HK$3,229/mo
Today · 4.125%
HK$108,576
baseline
▲ 0.50% · 4.625%
HK$115,183
+HK$6,607/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,152/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,662
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,711
−HK$3,092/mo
Today · 4.125%
HK$119,803
baseline
▲ 0.50% · 4.625%
HK$126,118
+HK$6,315/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,606/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,361
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$135,447
−HK$4,151/mo
Today · 4.125%
HK$139,598
baseline
▲ 0.50% · 4.625%
HK$148,092
+HK$8,494/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$279,196/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,137
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$150,057
−HK$3,976/mo
Today · 4.125%
HK$154,033
baseline
▲ 0.50% · 4.625%
HK$162,152
+HK$8,119/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$308,066/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,185 · Scale 2, in force from 26 Feb 2026)