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$67,268
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$69,360
−HK$2,126/mo
Today · 4.125%
HK$71,486
baseline
▲ 0.50% · 4.625%
HK$75,836
+HK$4,350/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$142,972/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,835
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$76,842
−HK$2,036/mo
Today · 4.125%
HK$78,878
baseline
▲ 0.50% · 4.625%
HK$83,036
+HK$4,158/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,756/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,721
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,232
−HK$2,551/mo
Today · 4.125%
HK$85,783
baseline
▲ 0.50% · 4.625%
HK$91,003
+HK$5,220/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$171,566/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,802
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,210
−HK$2,443/mo
Today · 4.125%
HK$94,653
baseline
▲ 0.50% · 4.625%
HK$99,643
+HK$4,990/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$189,306/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,175
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,104
−HK$2,976/mo
Today · 4.125%
HK$100,080
baseline
▲ 0.50% · 4.625%
HK$106,170
+HK$6,090/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$200,160/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,769
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,578
−HK$2,851/mo
Today · 4.125%
HK$110,429
baseline
▲ 0.50% · 4.625%
HK$116,250
+HK$5,821/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$220,858/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,082
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$124,848
−HK$3,827/mo
Today · 4.125%
HK$128,675
baseline
▲ 0.50% · 4.625%
HK$136,504
+HK$7,829/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$257,350/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,703
−HK$7,277/mo
▼ 0.25% · 3.875%
HK$138,315
−HK$3,665/mo
Today · 4.125%
HK$141,980
baseline
▲ 0.50% · 4.625%
HK$149,464
+HK$7,484/mo
Deposit HK$2.95M · loan HK$26.55M · min. income ≈ HK$283,960/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,755 · Scale 2, in force from 26 Feb 2026)