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$67,245
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,337
−HK$2,125/mo
Today · 4.125%
HK$71,462
baseline
▲ 0.50% · 4.625%
HK$75,810
+HK$4,348/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$142,924/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,810
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,816
−HK$2,035/mo
Today · 4.125%
HK$78,851
baseline
▲ 0.50% · 4.625%
HK$83,008
+HK$4,157/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,702/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,694
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,204
−HK$2,550/mo
Today · 4.125%
HK$85,754
baseline
▲ 0.50% · 4.625%
HK$90,972
+HK$5,218/mo
Deposit HK$11.80M · loan HK$17.69M · min. income ≈ HK$171,508/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,772
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,179
−HK$2,443/mo
Today · 4.125%
HK$94,622
baseline
▲ 0.50% · 4.625%
HK$99,609
+HK$4,987/mo
Deposit HK$11.80M · loan HK$17.69M · min. income ≈ HK$189,244/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,143
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$97,072
−HK$2,975/mo
Today · 4.125%
HK$100,047
baseline
▲ 0.50% · 4.625%
HK$106,135
+HK$6,088/mo
Deposit HK$8.85M · loan HK$20.64M · min. income ≈ HK$200,094/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,733
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$107,542
−HK$2,850/mo
Today · 4.125%
HK$110,392
baseline
▲ 0.50% · 4.625%
HK$116,211
+HK$5,819/mo
Deposit HK$8.85M · loan HK$20.64M · min. income ≈ HK$220,784/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,041
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$124,806
−HK$3,826/mo
Today · 4.125%
HK$128,632
baseline
▲ 0.50% · 4.625%
HK$136,459
+HK$7,827/mo
Deposit HK$2.95M · loan HK$26.54M · min. income ≈ HK$257,264/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,657
−HK$7,275/mo
▼ 0.25% · 3.875%
HK$138,269
−HK$3,663/mo
Today · 4.125%
HK$141,932
baseline
▲ 0.50% · 4.625%
HK$149,414
+HK$7,482/mo
Deposit HK$2.95M · loan HK$26.54M · min. income ≈ HK$283,864/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,334 · Scale 2, in force from 26 Feb 2026)