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$59,285
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,129
−HK$1,874/mo
Today · 4.125%
HK$63,003
baseline
▲ 0.50% · 4.625%
HK$66,836
+HK$3,833/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,006/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,954
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,723
−HK$1,794/mo
Today · 4.125%
HK$69,517
baseline
▲ 0.50% · 4.625%
HK$73,182
+HK$3,665/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,034/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,142
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,355
−HK$2,248/mo
Today · 4.125%
HK$75,603
baseline
▲ 0.50% · 4.625%
HK$80,203
+HK$4,600/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,206/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,145
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,267
−HK$2,154/mo
Today · 4.125%
HK$83,421
baseline
▲ 0.50% · 4.625%
HK$87,818
+HK$4,397/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,842/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,999
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,581
−HK$2,623/mo
Today · 4.125%
HK$88,204
baseline
▲ 0.50% · 4.625%
HK$93,571
+HK$5,367/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,408/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,335
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,812
−HK$2,512/mo
Today · 4.125%
HK$97,324
baseline
▲ 0.50% · 4.625%
HK$102,454
+HK$5,130/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,648/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,713
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,032
−HK$3,373/mo
Today · 4.125%
HK$113,405
baseline
▲ 0.50% · 4.625%
HK$120,305
+HK$6,900/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,810/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,717
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$121,901
−HK$3,230/mo
Today · 4.125%
HK$125,131
baseline
▲ 0.50% · 4.625%
HK$131,727
+HK$6,596/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,262/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,969 · Scale 2, in force from 26 Feb 2026)