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$72,982
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,252
−HK$2,306/mo
Today · 4.125%
HK$77,558
baseline
▲ 0.50% · 4.625%
HK$82,277
+HK$4,719/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,116/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,191
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,369
−HK$2,209/mo
Today · 4.125%
HK$85,578
baseline
▲ 0.50% · 4.625%
HK$90,089
+HK$4,511/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,156/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,578
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,302
−HK$2,768/mo
Today · 4.125%
HK$93,070
baseline
▲ 0.50% · 4.625%
HK$98,733
+HK$5,663/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,140/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,429
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,042
−HK$2,651/mo
Today · 4.125%
HK$102,693
baseline
▲ 0.50% · 4.625%
HK$108,106
+HK$5,413/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,386/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,174
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,352
−HK$3,229/mo
Today · 4.125%
HK$108,581
baseline
▲ 0.50% · 4.625%
HK$115,188
+HK$6,607/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,162/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,668
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,716
−HK$3,093/mo
Today · 4.125%
HK$119,809
baseline
▲ 0.50% · 4.625%
HK$126,124
+HK$6,315/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,618/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,367
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$135,453
−HK$4,152/mo
Today · 4.125%
HK$139,605
baseline
▲ 0.50% · 4.625%
HK$148,099
+HK$8,494/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$279,210/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,144
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$150,064
−HK$3,976/mo
Today · 4.125%
HK$154,040
baseline
▲ 0.50% · 4.625%
HK$162,160
+HK$8,120/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$308,080/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,248 · Scale 2, in force from 26 Feb 2026)