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$63,835
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,821
−HK$2,017/mo
Today · 4.125%
HK$67,838
baseline
▲ 0.50% · 4.625%
HK$71,966
+HK$4,128/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$135,676/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,189,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,016
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,921
−HK$1,932/mo
Today · 4.125%
HK$74,853
baseline
▲ 0.50% · 4.625%
HK$78,799
+HK$3,946/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$149,706/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,189,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,602
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,985
−HK$2,421/mo
Today · 4.125%
HK$81,406
baseline
▲ 0.50% · 4.625%
HK$86,359
+HK$4,953/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$162,812/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,219
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,505
−HK$2,319/mo
Today · 4.125%
HK$89,824
baseline
▲ 0.50% · 4.625%
HK$94,558
+HK$4,734/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$179,648/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,370
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,149
−HK$2,825/mo
Today · 4.125%
HK$94,974
baseline
▲ 0.50% · 4.625%
HK$100,753
+HK$5,779/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$189,948/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,423
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,089
−HK$2,705/mo
Today · 4.125%
HK$104,794
baseline
▲ 0.50% · 4.625%
HK$110,318
+HK$5,524/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$209,588/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,904
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$118,478
−HK$3,631/mo
Today · 4.125%
HK$122,109
baseline
▲ 0.50% · 4.625%
HK$129,539
+HK$7,430/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$244,218/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,829
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$131,258
−HK$3,477/mo
Today · 4.125%
HK$134,735
baseline
▲ 0.50% · 4.625%
HK$141,838
+HK$7,103/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$269,470/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,781 · Scale 2, in force from 26 Feb 2026)