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$4,004/mo
▼ 0.25% · 3.875%
HK$65,847
−HK$2,018/mo
Today · 4.125%
HK$67,865
baseline
▲ 0.50% · 4.625%
HK$71,995
+HK$4,130/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$135,730/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,190,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,044
−HK$3,839/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$1,190,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,633
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,016
−HK$2,422/mo
Today · 4.125%
HK$81,438
baseline
▲ 0.50% · 4.625%
HK$86,394
+HK$4,956/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$162,876/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,190,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,253
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,540
−HK$2,319/mo
Today · 4.125%
HK$89,859
baseline
▲ 0.50% · 4.625%
HK$94,596
+HK$4,737/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$179,718/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,190,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,405
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,186
−HK$2,825/mo
Today · 4.125%
HK$95,011
baseline
▲ 0.50% · 4.625%
HK$100,793
+HK$5,782/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$190,022/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,462
−HK$5,374/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$1,190,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,949
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$118,525
−HK$3,632/mo
Today · 4.125%
HK$122,157
baseline
▲ 0.50% · 4.625%
HK$129,590
+HK$7,433/mo
Deposit HK$2.80M · loan HK$25.21M · min. income ≈ HK$244,314/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,880
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$131,309
−HK$3,480/mo
Today · 4.125%
HK$134,789
baseline
▲ 0.50% · 4.625%
HK$141,894
+HK$7,105/mo
Deposit HK$2.80M · loan HK$25.21M · min. income ≈ HK$269,578/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,251 · Scale 2, in force from 26 Feb 2026)