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$63,840
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,826
−HK$2,017/mo
Today · 4.125%
HK$67,843
baseline
▲ 0.50% · 4.625%
HK$71,971
+HK$4,128/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$135,686/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,189,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,021
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,926
−HK$1,932/mo
Today · 4.125%
HK$74,858
baseline
▲ 0.50% · 4.625%
HK$78,804
+HK$3,946/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$149,716/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,189,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,608
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,991
−HK$2,421/mo
Today · 4.125%
HK$81,412
baseline
▲ 0.50% · 4.625%
HK$86,366
+HK$4,954/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$162,824/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,226
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,511
−HK$2,319/mo
Today · 4.125%
HK$89,830
baseline
▲ 0.50% · 4.625%
HK$94,565
+HK$4,735/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$179,660/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,376
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,156
−HK$2,825/mo
Today · 4.125%
HK$94,981
baseline
▲ 0.50% · 4.625%
HK$100,760
+HK$5,779/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$189,962/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,430
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,096
−HK$2,706/mo
Today · 4.125%
HK$104,802
baseline
▲ 0.50% · 4.625%
HK$110,326
+HK$5,524/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$209,604/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,912
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$118,486
−HK$3,632/mo
Today · 4.125%
HK$122,118
baseline
▲ 0.50% · 4.625%
HK$129,549
+HK$7,431/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$244,236/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,838
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$131,267
−HK$3,478/mo
Today · 4.125%
HK$134,745
baseline
▲ 0.50% · 4.625%
HK$141,848
+HK$7,103/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$269,490/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,866 · Scale 2, in force from 26 Feb 2026)