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$63,839
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,824
−HK$2,018/mo
Today · 4.125%
HK$67,842
baseline
▲ 0.50% · 4.625%
HK$71,970
+HK$4,128/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$135,684/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,189,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,020
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,924
−HK$1,933/mo
Today · 4.125%
HK$74,857
baseline
▲ 0.50% · 4.625%
HK$78,803
+HK$3,946/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$149,714/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,189,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,606
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,989
−HK$2,421/mo
Today · 4.125%
HK$81,410
baseline
▲ 0.50% · 4.625%
HK$86,364
+HK$4,954/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$162,820/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,224
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,509
−HK$2,319/mo
Today · 4.125%
HK$89,828
baseline
▲ 0.50% · 4.625%
HK$94,563
+HK$4,735/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$179,656/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,374
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,154
−HK$2,824/mo
Today · 4.125%
HK$94,978
baseline
▲ 0.50% · 4.625%
HK$100,758
+HK$5,780/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$189,956/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,428
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,094
−HK$2,705/mo
Today · 4.125%
HK$104,799
baseline
▲ 0.50% · 4.625%
HK$110,324
+HK$5,525/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$209,598/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,909
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$118,484
−HK$3,631/mo
Today · 4.125%
HK$122,115
baseline
▲ 0.50% · 4.625%
HK$129,546
+HK$7,431/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$244,230/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,836
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$131,264
−HK$3,478/mo
Today · 4.125%
HK$134,742
baseline
▲ 0.50% · 4.625%
HK$141,845
+HK$7,103/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$269,484/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,840 · Scale 2, in force from 26 Feb 2026)