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$63,827
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,812
−HK$2,017/mo
Today · 4.125%
HK$67,829
baseline
▲ 0.50% · 4.625%
HK$71,957
+HK$4,128/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$135,658/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,189,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,007
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,911
−HK$1,932/mo
Today · 4.125%
HK$74,843
baseline
▲ 0.50% · 4.625%
HK$78,788
+HK$3,945/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$149,686/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,189,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,592
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,975
−HK$2,420/mo
Today · 4.125%
HK$81,395
baseline
▲ 0.50% · 4.625%
HK$86,348
+HK$4,953/mo
Deposit HK$11.20M · loan HK$16.79M · min. income ≈ HK$162,790/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,208
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,493
−HK$2,319/mo
Today · 4.125%
HK$89,812
baseline
▲ 0.50% · 4.625%
HK$94,546
+HK$4,734/mo
Deposit HK$11.20M · loan HK$16.79M · min. income ≈ HK$179,624/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,358
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$92,137
−HK$2,824/mo
Today · 4.125%
HK$94,961
baseline
▲ 0.50% · 4.625%
HK$100,739
+HK$5,778/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$189,922/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,409
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,076
−HK$2,704/mo
Today · 4.125%
HK$104,780
baseline
▲ 0.50% · 4.625%
HK$110,303
+HK$5,523/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$209,560/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,888
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$118,462
−HK$3,631/mo
Today · 4.125%
HK$122,093
baseline
▲ 0.50% · 4.625%
HK$129,522
+HK$7,429/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$244,186/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,812
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$131,240
−HK$3,477/mo
Today · 4.125%
HK$134,717
baseline
▲ 0.50% · 4.625%
HK$141,819
+HK$7,102/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$269,434/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,622 · Scale 2, in force from 26 Feb 2026)