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$62,731
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,682
−HK$1,983/mo
Today · 4.125%
HK$66,665
baseline
▲ 0.50% · 4.625%
HK$70,721
+HK$4,056/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$133,330/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,169,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,788
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,659
−HK$1,899/mo
Today · 4.125%
HK$73,558
baseline
▲ 0.50% · 4.625%
HK$77,435
+HK$3,877/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$147,116/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,169,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,277
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,619
−HK$2,379/mo
Today · 4.125%
HK$79,998
baseline
▲ 0.50% · 4.625%
HK$84,865
+HK$4,867/mo
Deposit HK$11.00M · loan HK$16.51M · min. income ≈ HK$159,996/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,169,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,745
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$85,991
−HK$2,279/mo
Today · 4.125%
HK$88,270
baseline
▲ 0.50% · 4.625%
HK$92,922
+HK$4,652/mo
Deposit HK$11.00M · loan HK$16.51M · min. income ≈ HK$176,540/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,169,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,823
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,555
−HK$2,776/mo
Today · 4.125%
HK$93,331
baseline
▲ 0.50% · 4.625%
HK$99,010
+HK$5,679/mo
Deposit HK$8.25M · loan HK$19.26M · min. income ≈ HK$186,662/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,703
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,323
−HK$2,658/mo
Today · 4.125%
HK$102,981
baseline
▲ 0.50% · 4.625%
HK$108,409
+HK$5,428/mo
Deposit HK$8.25M · loan HK$19.26M · min. income ≈ HK$205,962/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,916
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$116,428
−HK$3,569/mo
Today · 4.125%
HK$119,997
baseline
▲ 0.50% · 4.625%
HK$127,298
+HK$7,301/mo
Deposit HK$2.75M · loan HK$24.76M · min. income ≈ HK$239,994/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,618
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$128,987
−HK$3,417/mo
Today · 4.125%
HK$132,404
baseline
▲ 0.50% · 4.625%
HK$139,384
+HK$6,980/mo
Deposit HK$2.75M · loan HK$24.76M · min. income ≈ HK$264,808/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,197 · Scale 2, in force from 26 Feb 2026)