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$60,801
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,692
−HK$1,922/mo
Today · 4.125%
HK$64,614
baseline
▲ 0.50% · 4.625%
HK$68,545
+HK$3,931/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$129,228/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,640
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,455
−HK$1,840/mo
Today · 4.125%
HK$71,295
baseline
▲ 0.50% · 4.625%
HK$75,053
+HK$3,758/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$142,590/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,133,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,961
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,231
−HK$2,305/mo
Today · 4.125%
HK$77,536
baseline
▲ 0.50% · 4.625%
HK$82,254
+HK$4,718/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$155,072/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,169
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,345
−HK$2,209/mo
Today · 4.125%
HK$85,554
baseline
▲ 0.50% · 4.625%
HK$90,064
+HK$4,510/mo
Deposit HK$10.67M · loan HK$16.00M · min. income ≈ HK$171,108/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,133,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,121
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,769
−HK$2,690/mo
Today · 4.125%
HK$90,459
baseline
▲ 0.50% · 4.625%
HK$95,963
+HK$5,504/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$180,918/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,697
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,236
−HK$2,577/mo
Today · 4.125%
HK$99,813
baseline
▲ 0.50% · 4.625%
HK$105,074
+HK$5,261/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$199,626/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,133,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,442
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$112,846
−HK$3,459/mo
Today · 4.125%
HK$116,305
baseline
▲ 0.50% · 4.625%
HK$123,382
+HK$7,077/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$232,610/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,753
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$125,018
−HK$3,313/mo
Today · 4.125%
HK$128,331
baseline
▲ 0.50% · 4.625%
HK$135,095
+HK$6,764/mo
Deposit HK$2.67M · loan HK$24.00M · min. income ≈ HK$256,662/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,133,225 · Scale 2, in force from 26 Feb 2026)