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$63,847
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,833
−HK$2,018/mo
Today · 4.125%
HK$67,851
baseline
▲ 0.50% · 4.625%
HK$71,979
+HK$4,128/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$135,702/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,189,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,029
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,934
−HK$1,933/mo
Today · 4.125%
HK$74,867
baseline
▲ 0.50% · 4.625%
HK$78,813
+HK$3,946/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$149,734/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,189,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,616
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,000
−HK$2,421/mo
Today · 4.125%
HK$81,421
baseline
▲ 0.50% · 4.625%
HK$86,375
+HK$4,954/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$162,842/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,235
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,521
−HK$2,319/mo
Today · 4.125%
HK$89,840
baseline
▲ 0.50% · 4.625%
HK$94,576
+HK$4,736/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$179,680/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,386
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,166
−HK$2,825/mo
Today · 4.125%
HK$94,991
baseline
▲ 0.50% · 4.625%
HK$100,771
+HK$5,780/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$189,982/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,441
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,108
−HK$2,705/mo
Today · 4.125%
HK$104,813
baseline
▲ 0.50% · 4.625%
HK$110,338
+HK$5,525/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$209,626/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,925
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$118,499
−HK$3,632/mo
Today · 4.125%
HK$122,131
baseline
▲ 0.50% · 4.625%
HK$129,563
+HK$7,432/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$244,262/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,853
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$131,282
−HK$3,478/mo
Today · 4.125%
HK$134,760
baseline
▲ 0.50% · 4.625%
HK$141,863
+HK$7,103/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$269,520/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,998 · Scale 2, in force from 26 Feb 2026)