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$60,447
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,327
−HK$1,910/mo
Today · 4.125%
HK$64,237
baseline
▲ 0.50% · 4.625%
HK$68,146
+HK$3,909/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,474/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,247
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,050
−HK$1,830/mo
Today · 4.125%
HK$70,880
baseline
▲ 0.50% · 4.625%
HK$74,616
+HK$3,736/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,760/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,536
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,793
−HK$2,292/mo
Today · 4.125%
HK$77,085
baseline
▲ 0.50% · 4.625%
HK$81,775
+HK$4,690/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$154,170/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,696
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,860
−HK$2,196/mo
Today · 4.125%
HK$85,056
baseline
▲ 0.50% · 4.625%
HK$89,539
+HK$4,483/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$170,112/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,626
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,258
−HK$2,674/mo
Today · 4.125%
HK$89,932
baseline
▲ 0.50% · 4.625%
HK$95,405
+HK$5,473/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,864/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,145
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,670
−HK$2,562/mo
Today · 4.125%
HK$99,232
baseline
▲ 0.50% · 4.625%
HK$104,462
+HK$5,230/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,464/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,804
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,189
−HK$3,438/mo
Today · 4.125%
HK$115,627
baseline
▲ 0.50% · 4.625%
HK$122,663
+HK$7,036/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,254/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,044
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$124,290
−HK$3,293/mo
Today · 4.125%
HK$127,583
baseline
▲ 0.50% · 4.625%
HK$134,309
+HK$6,726/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,166/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,625 · Scale 2, in force from 26 Feb 2026)