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$63,865
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,851
−HK$2,019/mo
Today · 4.125%
HK$67,870
baseline
▲ 0.50% · 4.625%
HK$71,999
+HK$4,129/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$135,740/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,190,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,049
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,954
−HK$1,933/mo
Today · 4.125%
HK$74,887
baseline
▲ 0.50% · 4.625%
HK$78,835
+HK$3,948/mo
Deposit HK$14.00M · loan HK$14.00M · min. income ≈ HK$149,774/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,190,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,638
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,022
−HK$2,422/mo
Today · 4.125%
HK$81,444
baseline
▲ 0.50% · 4.625%
HK$86,399
+HK$4,955/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$162,888/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,190,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,259
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,545
−HK$2,320/mo
Today · 4.125%
HK$89,865
baseline
▲ 0.50% · 4.625%
HK$94,602
+HK$4,737/mo
Deposit HK$11.20M · loan HK$16.80M · min. income ≈ HK$179,730/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,190,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,411
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,192
−HK$2,825/mo
Today · 4.125%
HK$95,017
baseline
▲ 0.50% · 4.625%
HK$100,799
+HK$5,782/mo
Deposit HK$8.40M · loan HK$19.61M · min. income ≈ HK$190,034/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,468
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,136
−HK$2,706/mo
Today · 4.125%
HK$104,842
baseline
▲ 0.50% · 4.625%
HK$110,369
+HK$5,527/mo
Deposit HK$8.40M · loan HK$19.61M · min. income ≈ HK$209,684/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,957
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$118,532
−HK$3,633/mo
Today · 4.125%
HK$122,165
baseline
▲ 0.50% · 4.625%
HK$129,599
+HK$7,434/mo
Deposit HK$2.80M · loan HK$25.21M · min. income ≈ HK$244,330/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,888
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$131,318
−HK$3,479/mo
Today · 4.125%
HK$134,797
baseline
▲ 0.50% · 4.625%
HK$141,903
+HK$7,106/mo
Deposit HK$2.80M · loan HK$25.21M · min. income ≈ HK$269,594/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,328 · Scale 2, in force from 26 Feb 2026)