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$63,861
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,847
−HK$2,019/mo
Today · 4.125%
HK$67,866
baseline
▲ 0.50% · 4.625%
HK$71,995
+HK$4,129/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$135,732/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,190,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,045
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,950
−HK$1,933/mo
Today · 4.125%
HK$74,883
baseline
▲ 0.50% · 4.625%
HK$78,830
+HK$3,947/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$149,766/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,190,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,633
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,017
−HK$2,422/mo
Today · 4.125%
HK$81,439
baseline
▲ 0.50% · 4.625%
HK$86,394
+HK$4,955/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$162,878/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,190,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,254
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,540
−HK$2,320/mo
Today · 4.125%
HK$89,860
baseline
▲ 0.50% · 4.625%
HK$94,596
+HK$4,736/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$179,720/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,190,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,405
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,186
−HK$2,826/mo
Today · 4.125%
HK$95,012
baseline
▲ 0.50% · 4.625%
HK$100,793
+HK$5,781/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$190,024/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,463
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,130
−HK$2,706/mo
Today · 4.125%
HK$104,836
baseline
▲ 0.50% · 4.625%
HK$110,362
+HK$5,526/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$209,672/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,950
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$118,525
−HK$3,633/mo
Today · 4.125%
HK$122,158
baseline
▲ 0.50% · 4.625%
HK$129,591
+HK$7,433/mo
Deposit HK$2.80M · loan HK$25.21M · min. income ≈ HK$244,316/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,881
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$131,310
−HK$3,480/mo
Today · 4.125%
HK$134,790
baseline
▲ 0.50% · 4.625%
HK$141,894
+HK$7,104/mo
Deposit HK$2.80M · loan HK$25.21M · min. income ≈ HK$269,580/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,259 · Scale 2, in force from 26 Feb 2026)