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$63,833
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$65,818
−HK$2,018/mo
Today · 4.125%
HK$67,836
baseline
▲ 0.50% · 4.625%
HK$71,963
+HK$4,127/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$135,672/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,189,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,013
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,918
−HK$1,932/mo
Today · 4.125%
HK$74,850
baseline
▲ 0.50% · 4.625%
HK$78,795
+HK$3,945/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$149,700/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,189,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,599
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,982
−HK$2,421/mo
Today · 4.125%
HK$81,403
baseline
▲ 0.50% · 4.625%
HK$86,356
+HK$4,953/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$162,806/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,216
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,501
−HK$2,319/mo
Today · 4.125%
HK$89,820
baseline
▲ 0.50% · 4.625%
HK$94,554
+HK$4,734/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$179,640/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,189,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,366
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,146
−HK$2,824/mo
Today · 4.125%
HK$94,970
baseline
▲ 0.50% · 4.625%
HK$100,748
+HK$5,778/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$189,940/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,418
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,085
−HK$2,705/mo
Today · 4.125%
HK$104,790
baseline
▲ 0.50% · 4.625%
HK$110,313
+HK$5,523/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$209,580/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,899
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$118,473
−HK$3,631/mo
Today · 4.125%
HK$122,104
baseline
▲ 0.50% · 4.625%
HK$129,534
+HK$7,430/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$244,208/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,824
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$131,252
−HK$3,478/mo
Today · 4.125%
HK$134,730
baseline
▲ 0.50% · 4.625%
HK$141,831
+HK$7,101/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$269,460/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,730 · Scale 2, in force from 26 Feb 2026)