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$63,853
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,840
−HK$2,018/mo
Today · 4.125%
HK$67,858
baseline
▲ 0.50% · 4.625%
HK$71,987
+HK$4,129/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$135,716/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,190,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,036
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,942
−HK$1,932/mo
Today · 4.125%
HK$74,874
baseline
▲ 0.50% · 4.625%
HK$78,821
+HK$3,947/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$149,748/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,190,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,624
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,008
−HK$2,421/mo
Today · 4.125%
HK$81,429
baseline
▲ 0.50% · 4.625%
HK$86,384
+HK$4,955/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$162,858/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,190,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,244
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,530
−HK$2,319/mo
Today · 4.125%
HK$89,849
baseline
▲ 0.50% · 4.625%
HK$94,585
+HK$4,736/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$179,698/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,190,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,395
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,176
−HK$2,825/mo
Today · 4.125%
HK$95,001
baseline
▲ 0.50% · 4.625%
HK$100,781
+HK$5,780/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$190,002/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,451
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,118
−HK$2,706/mo
Today · 4.125%
HK$104,824
baseline
▲ 0.50% · 4.625%
HK$110,349
+HK$5,525/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$209,648/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,936
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$118,511
−HK$3,633/mo
Today · 4.125%
HK$122,144
baseline
▲ 0.50% · 4.625%
HK$129,576
+HK$7,432/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$244,288/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,865
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$131,295
−HK$3,479/mo
Today · 4.125%
HK$134,774
baseline
▲ 0.50% · 4.625%
HK$141,878
+HK$7,104/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$269,548/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,118 · Scale 2, in force from 26 Feb 2026)