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$61,578
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,493
−HK$1,946/mo
Today · 4.125%
HK$65,439
baseline
▲ 0.50% · 4.625%
HK$69,421
+HK$3,982/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,878/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,505
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,342
−HK$1,864/mo
Today · 4.125%
HK$72,206
baseline
▲ 0.50% · 4.625%
HK$76,012
+HK$3,806/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,412/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,893
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,192
−HK$2,335/mo
Today · 4.125%
HK$78,527
baseline
▲ 0.50% · 4.625%
HK$83,305
+HK$4,778/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$157,054/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,206
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,410
−HK$2,237/mo
Today · 4.125%
HK$86,647
baseline
▲ 0.50% · 4.625%
HK$91,214
+HK$4,567/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,294/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,209
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,891
−HK$2,724/mo
Today · 4.125%
HK$91,615
baseline
▲ 0.50% · 4.625%
HK$97,190
+HK$5,575/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,230/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,907
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,479
−HK$2,609/mo
Today · 4.125%
HK$101,088
baseline
▲ 0.50% · 4.625%
HK$106,417
+HK$5,329/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,176/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,840
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$114,288
−HK$3,503/mo
Today · 4.125%
HK$117,791
baseline
▲ 0.50% · 4.625%
HK$124,958
+HK$7,167/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$235,582/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,309
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,616
−HK$3,355/mo
Today · 4.125%
HK$129,971
baseline
▲ 0.50% · 4.625%
HK$136,822
+HK$6,851/mo
Deposit HK$2.70M · loan HK$24.30M · min. income ≈ HK$259,942/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,705 · Scale 2, in force from 26 Feb 2026)