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$66,135
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,193
−HK$2,090/mo
Today · 4.125%
HK$70,283
baseline
▲ 0.50% · 4.625%
HK$74,559
+HK$4,276/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$140,566/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,575
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,548
−HK$2,002/mo
Today · 4.125%
HK$77,550
baseline
▲ 0.50% · 4.625%
HK$81,638
+HK$4,088/mo
Deposit HK$14.50M · loan HK$14.50M · min. income ≈ HK$155,100/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,363
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,831
−HK$2,508/mo
Today · 4.125%
HK$84,339
baseline
▲ 0.50% · 4.625%
HK$89,471
+HK$5,132/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$168,678/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,290
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,658
−HK$2,402/mo
Today · 4.125%
HK$93,060
baseline
▲ 0.50% · 4.625%
HK$97,965
+HK$4,905/mo
Deposit HK$11.60M · loan HK$17.40M · min. income ≈ HK$186,120/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,590
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,470
−HK$2,926/mo
Today · 4.125%
HK$98,396
baseline
▲ 0.50% · 4.625%
HK$104,383
+HK$5,987/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$196,792/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,005
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,768
−HK$2,802/mo
Today · 4.125%
HK$108,570
baseline
▲ 0.50% · 4.625%
HK$114,293
+HK$5,723/mo
Deposit HK$8.70M · loan HK$20.30M · min. income ≈ HK$217,140/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,044
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,747
−HK$3,762/mo
Today · 4.125%
HK$126,509
baseline
▲ 0.50% · 4.625%
HK$134,207
+HK$7,698/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$253,018/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,435
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$135,987
−HK$3,603/mo
Today · 4.125%
HK$139,590
baseline
▲ 0.50% · 4.625%
HK$146,948
+HK$7,358/mo
Deposit HK$2.90M · loan HK$26.10M · min. income ≈ HK$279,180/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,649 · Scale 2, in force from 26 Feb 2026)