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$63,842
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,828
−HK$2,017/mo
Today · 4.125%
HK$67,845
baseline
▲ 0.50% · 4.625%
HK$71,973
+HK$4,128/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$135,690/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,189,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,023
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,928
−HK$1,933/mo
Today · 4.125%
HK$74,861
baseline
▲ 0.50% · 4.625%
HK$78,807
+HK$3,946/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$149,722/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,189,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,610
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,993
−HK$2,421/mo
Today · 4.125%
HK$81,414
baseline
▲ 0.50% · 4.625%
HK$86,368
+HK$4,954/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$162,828/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,228
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,514
−HK$2,319/mo
Today · 4.125%
HK$89,833
baseline
▲ 0.50% · 4.625%
HK$94,568
+HK$4,735/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$179,666/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,379
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,159
−HK$2,824/mo
Today · 4.125%
HK$94,983
baseline
▲ 0.50% · 4.625%
HK$100,763
+HK$5,780/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$189,966/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,433
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,099
−HK$2,706/mo
Today · 4.125%
HK$104,805
baseline
▲ 0.50% · 4.625%
HK$110,329
+HK$5,524/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$209,610/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,915
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$118,490
−HK$3,631/mo
Today · 4.125%
HK$122,121
baseline
▲ 0.50% · 4.625%
HK$129,552
+HK$7,431/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$244,242/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,842
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$131,271
−HK$3,478/mo
Today · 4.125%
HK$134,749
baseline
▲ 0.50% · 4.625%
HK$141,852
+HK$7,103/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$269,498/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,900 · Scale 2, in force from 26 Feb 2026)