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$60,441
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,321
−HK$1,910/mo
Today · 4.125%
HK$64,231
baseline
▲ 0.50% · 4.625%
HK$68,139
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,462/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,240
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,043
−HK$1,829/mo
Today · 4.125%
HK$70,872
baseline
▲ 0.50% · 4.625%
HK$74,608
+HK$3,736/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,744/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,529
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,785
−HK$2,292/mo
Today · 4.125%
HK$77,077
baseline
▲ 0.50% · 4.625%
HK$81,767
+HK$4,690/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,154/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,688
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,852
−HK$2,195/mo
Today · 4.125%
HK$85,047
baseline
▲ 0.50% · 4.625%
HK$89,530
+HK$4,483/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,094/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,617
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,249
−HK$2,674/mo
Today · 4.125%
HK$89,923
baseline
▲ 0.50% · 4.625%
HK$95,395
+HK$5,472/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,846/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,136
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,660
−HK$2,561/mo
Today · 4.125%
HK$99,221
baseline
▲ 0.50% · 4.625%
HK$104,452
+HK$5,231/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,442/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,793
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,177
−HK$3,439/mo
Today · 4.125%
HK$115,616
baseline
▲ 0.50% · 4.625%
HK$122,651
+HK$7,035/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,232/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,032
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,278
−HK$3,292/mo
Today · 4.125%
HK$127,570
baseline
▲ 0.50% · 4.625%
HK$134,295
+HK$6,725/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,140/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,511 · Scale 2, in force from 26 Feb 2026)