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$72,989
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,259
−HK$2,307/mo
Today · 4.125%
HK$77,566
baseline
▲ 0.50% · 4.625%
HK$82,286
+HK$4,720/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,132/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,200
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,377
−HK$2,210/mo
Today · 4.125%
HK$85,587
baseline
▲ 0.50% · 4.625%
HK$90,098
+HK$4,511/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,174/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,587
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,311
−HK$2,768/mo
Today · 4.125%
HK$93,079
baseline
▲ 0.50% · 4.625%
HK$98,743
+HK$5,664/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$186,158/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,440
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,053
−HK$2,651/mo
Today · 4.125%
HK$102,704
baseline
▲ 0.50% · 4.625%
HK$108,118
+HK$5,414/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$205,408/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,185
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,363
−HK$3,230/mo
Today · 4.125%
HK$108,593
baseline
▲ 0.50% · 4.625%
HK$115,200
+HK$6,607/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$217,186/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,679
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,728
−HK$3,093/mo
Today · 4.125%
HK$119,821
baseline
▲ 0.50% · 4.625%
HK$126,137
+HK$6,316/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$239,642/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,380
−HK$8,239/mo
▼ 0.25% · 3.875%
HK$135,467
−HK$4,152/mo
Today · 4.125%
HK$139,619
baseline
▲ 0.50% · 4.625%
HK$148,115
+HK$8,496/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$279,238/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,159
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$150,079
−HK$3,977/mo
Today · 4.125%
HK$154,056
baseline
▲ 0.50% · 4.625%
HK$162,176
+HK$8,120/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$308,112/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,389 · Scale 2, in force from 26 Feb 2026)