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$63,849
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,835
−HK$2,018/mo
Today · 4.125%
HK$67,853
baseline
▲ 0.50% · 4.625%
HK$71,982
+HK$4,129/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$135,706/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,190,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,031
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,937
−HK$1,932/mo
Today · 4.125%
HK$74,869
baseline
▲ 0.50% · 4.625%
HK$78,816
+HK$3,947/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$149,738/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,190,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,619
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,002
−HK$2,422/mo
Today · 4.125%
HK$81,424
baseline
▲ 0.50% · 4.625%
HK$86,378
+HK$4,954/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$162,848/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,190,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,238
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,524
−HK$2,319/mo
Today · 4.125%
HK$89,843
baseline
▲ 0.50% · 4.625%
HK$94,579
+HK$4,736/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$179,686/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,190,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,389
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,169
−HK$2,825/mo
Today · 4.125%
HK$94,994
baseline
▲ 0.50% · 4.625%
HK$100,774
+HK$5,780/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$189,988/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,444
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,111
−HK$2,706/mo
Today · 4.125%
HK$104,817
baseline
▲ 0.50% · 4.625%
HK$110,342
+HK$5,525/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$209,634/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,928
−HK$7,207/mo
▼ 0.25% · 3.875%
HK$118,503
−HK$3,632/mo
Today · 4.125%
HK$122,135
baseline
▲ 0.50% · 4.625%
HK$129,567
+HK$7,432/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$244,270/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,857
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$131,286
−HK$3,478/mo
Today · 4.125%
HK$134,764
baseline
▲ 0.50% · 4.625%
HK$141,868
+HK$7,104/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$269,528/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,036 · Scale 2, in force from 26 Feb 2026)