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$63,854
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,841
−HK$2,018/mo
Today · 4.125%
HK$67,859
baseline
▲ 0.50% · 4.625%
HK$71,988
+HK$4,129/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$135,718/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,190,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,037
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,943
−HK$1,932/mo
Today · 4.125%
HK$74,875
baseline
▲ 0.50% · 4.625%
HK$78,822
+HK$3,947/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$149,750/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,190,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,625
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,009
−HK$2,421/mo
Today · 4.125%
HK$81,430
baseline
▲ 0.50% · 4.625%
HK$86,385
+HK$4,955/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$162,860/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,190,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,245
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,531
−HK$2,319/mo
Today · 4.125%
HK$89,850
baseline
▲ 0.50% · 4.625%
HK$94,587
+HK$4,737/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$179,700/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,190,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,396
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,177
−HK$2,825/mo
Today · 4.125%
HK$95,002
baseline
▲ 0.50% · 4.625%
HK$100,783
+HK$5,781/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$190,004/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,452
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,120
−HK$2,705/mo
Today · 4.125%
HK$104,825
baseline
▲ 0.50% · 4.625%
HK$110,351
+HK$5,526/mo
Deposit HK$8.40M · loan HK$19.60M · min. income ≈ HK$209,650/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,938
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$118,513
−HK$3,633/mo
Today · 4.125%
HK$122,146
baseline
▲ 0.50% · 4.625%
HK$129,578
+HK$7,432/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$244,292/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,867
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$131,297
−HK$3,479/mo
Today · 4.125%
HK$134,776
baseline
▲ 0.50% · 4.625%
HK$141,880
+HK$7,104/mo
Deposit HK$2.80M · loan HK$25.20M · min. income ≈ HK$269,552/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,135 · Scale 2, in force from 26 Feb 2026)