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$61,551
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,466
−HK$1,945/mo
Today · 4.125%
HK$65,411
baseline
▲ 0.50% · 4.625%
HK$69,391
+HK$3,980/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$130,822/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,475
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,311
−HK$1,863/mo
Today · 4.125%
HK$72,174
baseline
▲ 0.50% · 4.625%
HK$75,979
+HK$3,805/mo
Deposit HK$13.50M · loan HK$13.50M · min. income ≈ HK$144,348/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,861
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,159
−HK$2,334/mo
Today · 4.125%
HK$78,493
baseline
▲ 0.50% · 4.625%
HK$83,269
+HK$4,776/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$156,986/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,170
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,374
−HK$2,235/mo
Today · 4.125%
HK$86,609
baseline
▲ 0.50% · 4.625%
HK$91,175
+HK$4,566/mo
Deposit HK$10.80M · loan HK$16.20M · min. income ≈ HK$173,218/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,172
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$88,852
−HK$2,723/mo
Today · 4.125%
HK$91,575
baseline
▲ 0.50% · 4.625%
HK$97,147
+HK$5,572/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$183,150/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,865
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,436
−HK$2,608/mo
Today · 4.125%
HK$101,044
baseline
▲ 0.50% · 4.625%
HK$106,370
+HK$5,326/mo
Deposit HK$8.10M · loan HK$18.90M · min. income ≈ HK$202,088/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,792
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$114,238
−HK$3,502/mo
Today · 4.125%
HK$117,740
baseline
▲ 0.50% · 4.625%
HK$124,904
+HK$7,164/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,480/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,255
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,561
−HK$3,353/mo
Today · 4.125%
HK$129,914
baseline
▲ 0.50% · 4.625%
HK$136,762
+HK$6,848/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,828/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,205 · Scale 2, in force from 26 Feb 2026)