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$63,825
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,810
−HK$2,017/mo
Today · 4.125%
HK$67,827
baseline
▲ 0.50% · 4.625%
HK$71,954
+HK$4,127/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$135,654/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,004
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,909
−HK$1,932/mo
Today · 4.125%
HK$74,841
baseline
▲ 0.50% · 4.625%
HK$78,786
+HK$3,945/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$149,682/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,590
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,972
−HK$2,421/mo
Today · 4.125%
HK$81,393
baseline
▲ 0.50% · 4.625%
HK$86,345
+HK$4,952/mo
Deposit HK$11.20M · loan HK$16.79M · min. income ≈ HK$162,786/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,205
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,491
−HK$2,318/mo
Today · 4.125%
HK$89,809
baseline
▲ 0.50% · 4.625%
HK$94,543
+HK$4,734/mo
Deposit HK$11.20M · loan HK$16.79M · min. income ≈ HK$179,618/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,355
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$92,134
−HK$2,824/mo
Today · 4.125%
HK$94,958
baseline
▲ 0.50% · 4.625%
HK$100,736
+HK$5,778/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$189,916/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,406
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,072
−HK$2,705/mo
Today · 4.125%
HK$104,777
baseline
▲ 0.50% · 4.625%
HK$110,300
+HK$5,523/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$209,554/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,885
−HK$7,204/mo
▼ 0.25% · 3.875%
HK$118,458
−HK$3,631/mo
Today · 4.125%
HK$122,089
baseline
▲ 0.50% · 4.625%
HK$129,518
+HK$7,429/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$244,178/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,808
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$131,236
−HK$3,477/mo
Today · 4.125%
HK$134,713
baseline
▲ 0.50% · 4.625%
HK$141,814
+HK$7,101/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$269,426/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,584 · Scale 2, in force from 26 Feb 2026)