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$59,309
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,153
−HK$1,875/mo
Today · 4.125%
HK$63,028
baseline
▲ 0.50% · 4.625%
HK$66,863
+HK$3,835/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,056/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,980
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,750
−HK$1,795/mo
Today · 4.125%
HK$69,545
baseline
▲ 0.50% · 4.625%
HK$73,211
+HK$3,666/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,090/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,170
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,384
−HK$2,249/mo
Today · 4.125%
HK$75,633
baseline
▲ 0.50% · 4.625%
HK$80,235
+HK$4,602/mo
Deposit HK$10.40M · loan HK$15.61M · min. income ≈ HK$151,266/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,176
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,300
−HK$2,154/mo
Today · 4.125%
HK$83,454
baseline
▲ 0.50% · 4.625%
HK$87,853
+HK$4,399/mo
Deposit HK$10.40M · loan HK$15.61M · min. income ≈ HK$166,908/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,032
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,615
−HK$2,624/mo
Today · 4.125%
HK$88,239
baseline
▲ 0.50% · 4.625%
HK$93,608
+HK$5,369/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$176,478/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,372
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,850
−HK$2,513/mo
Today · 4.125%
HK$97,363
baseline
▲ 0.50% · 4.625%
HK$102,495
+HK$5,132/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$194,726/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,756
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$110,076
−HK$3,374/mo
Today · 4.125%
HK$113,450
baseline
▲ 0.50% · 4.625%
HK$120,353
+HK$6,903/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$226,900/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,764
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$121,950
−HK$3,231/mo
Today · 4.125%
HK$125,181
baseline
▲ 0.50% · 4.625%
HK$131,779
+HK$6,598/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$250,362/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,410 · Scale 2, in force from 26 Feb 2026)