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$62,711
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,661
−HK$1,982/mo
Today · 4.125%
HK$66,643
baseline
▲ 0.50% · 4.625%
HK$70,698
+HK$4,055/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,286/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,765
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,636
−HK$1,898/mo
Today · 4.125%
HK$73,534
baseline
▲ 0.50% · 4.625%
HK$77,410
+HK$3,876/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,068/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,253
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,593
−HK$2,379/mo
Today · 4.125%
HK$79,972
baseline
▲ 0.50% · 4.625%
HK$84,838
+HK$4,866/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$159,944/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,718
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,963
−HK$2,278/mo
Today · 4.125%
HK$88,241
baseline
▲ 0.50% · 4.625%
HK$92,892
+HK$4,651/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$176,482/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,795
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,526
−HK$2,774/mo
Today · 4.125%
HK$93,300
baseline
▲ 0.50% · 4.625%
HK$98,977
+HK$5,677/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$186,600/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,671
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,290
−HK$2,658/mo
Today · 4.125%
HK$102,948
baseline
▲ 0.50% · 4.625%
HK$108,374
+HK$5,426/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$205,896/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,879
−HK$7,079/mo
▼ 0.25% · 3.875%
HK$116,390
−HK$3,568/mo
Today · 4.125%
HK$119,958
baseline
▲ 0.50% · 4.625%
HK$127,257
+HK$7,299/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$239,916/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,577
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$128,945
−HK$3,416/mo
Today · 4.125%
HK$132,361
baseline
▲ 0.50% · 4.625%
HK$139,338
+HK$6,977/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$264,722/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,816 · Scale 2, in force from 26 Feb 2026)