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$62,706
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,656
−HK$1,982/mo
Today · 4.125%
HK$66,638
baseline
▲ 0.50% · 4.625%
HK$70,693
+HK$4,055/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$133,276/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,759
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,630
−HK$1,898/mo
Today · 4.125%
HK$73,528
baseline
▲ 0.50% · 4.625%
HK$77,404
+HK$3,876/mo
Deposit HK$13.75M · loan HK$13.75M · min. income ≈ HK$147,056/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,168,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,247
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,587
−HK$2,378/mo
Today · 4.125%
HK$79,965
baseline
▲ 0.50% · 4.625%
HK$84,831
+HK$4,866/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$159,930/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,711
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,956
−HK$2,278/mo
Today · 4.125%
HK$88,234
baseline
▲ 0.50% · 4.625%
HK$92,885
+HK$4,651/mo
Deposit HK$11.00M · loan HK$16.50M · min. income ≈ HK$176,468/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,168,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,788
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,519
−HK$2,774/mo
Today · 4.125%
HK$93,293
baseline
▲ 0.50% · 4.625%
HK$98,970
+HK$5,677/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$186,586/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,663
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,282
−HK$2,657/mo
Today · 4.125%
HK$102,939
baseline
▲ 0.50% · 4.625%
HK$108,366
+HK$5,427/mo
Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$205,878/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,870
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$116,381
−HK$3,567/mo
Today · 4.125%
HK$119,948
baseline
▲ 0.50% · 4.625%
HK$127,247
+HK$7,299/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$239,896/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,567
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$128,934
−HK$3,417/mo
Today · 4.125%
HK$132,351
baseline
▲ 0.50% · 4.625%
HK$139,327
+HK$6,976/mo
Deposit HK$2.75M · loan HK$24.75M · min. income ≈ HK$264,702/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,168,723 · Scale 2, in force from 26 Feb 2026)