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$72,990
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,261
−HK$2,306/mo
Today · 4.125%
HK$77,567
baseline
▲ 0.50% · 4.625%
HK$82,287
+HK$4,720/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,134/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,201
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,379
−HK$2,209/mo
Today · 4.125%
HK$85,588
baseline
▲ 0.50% · 4.625%
HK$90,100
+HK$4,512/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,176/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,588
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,313
−HK$2,768/mo
Today · 4.125%
HK$93,081
baseline
▲ 0.50% · 4.625%
HK$98,745
+HK$5,664/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$186,162/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,441
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,055
−HK$2,651/mo
Today · 4.125%
HK$102,706
baseline
▲ 0.50% · 4.625%
HK$108,119
+HK$5,413/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$205,412/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,186
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,365
−HK$3,229/mo
Today · 4.125%
HK$108,594
baseline
▲ 0.50% · 4.625%
HK$115,202
+HK$6,608/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$217,188/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,681
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,730
−HK$3,093/mo
Today · 4.125%
HK$119,823
baseline
▲ 0.50% · 4.625%
HK$126,139
+HK$6,316/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$239,646/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,383
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$135,469
−HK$4,152/mo
Today · 4.125%
HK$139,621
baseline
▲ 0.50% · 4.625%
HK$148,117
+HK$8,496/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$279,242/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,162
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$150,082
−HK$3,977/mo
Today · 4.125%
HK$154,059
baseline
▲ 0.50% · 4.625%
HK$162,179
+HK$8,120/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$308,118/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,413 · Scale 2, in force from 26 Feb 2026)