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$107,164
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$110,497
−HK$3,387/mo
Today · 4.125%
HK$113,884
baseline
▲ 0.50% · 4.625%
HK$120,814
+HK$6,930/mo
Deposit HK$23.50M · loan HK$23.50M · min. income ≈ HK$227,768/mo (50% DSR)
Upfront cash ≈ HK$25.50M (deposit + AVD stamp duty HK$1,997,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,219
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,416
−HK$3,244/mo
Today · 4.125%
HK$125,660
baseline
▲ 0.50% · 4.625%
HK$132,284
+HK$6,624/mo
Deposit HK$23.50M · loan HK$23.50M · min. income ≈ HK$251,320/mo (50% DSR)
Upfront cash ≈ HK$25.50M (deposit + AVD stamp duty HK$1,997,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,597
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$132,597
−HK$4,064/mo
Today · 4.125%
HK$136,661
baseline
▲ 0.50% · 4.625%
HK$144,976
+HK$8,315/mo
Deposit HK$18.80M · loan HK$28.20M · min. income ≈ HK$273,322/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,997,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,063
−HK$7,729/mo
▼ 0.25% · 3.875%
HK$146,900
−HK$3,892/mo
Today · 4.125%
HK$150,792
baseline
▲ 0.50% · 4.625%
HK$158,740
+HK$7,948/mo
Deposit HK$18.80M · loan HK$28.20M · min. income ≈ HK$301,584/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,997,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,030
−HK$9,408/mo
▼ 0.25% · 3.875%
HK$154,696
−HK$4,742/mo
Today · 4.125%
HK$159,438
baseline
▲ 0.50% · 4.625%
HK$169,139
+HK$9,701/mo
Deposit HK$14.10M · loan HK$32.90M · min. income ≈ HK$318,876/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,997,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,906
−HK$9,018/mo
▼ 0.25% · 3.875%
HK$171,383
−HK$4,541/mo
Today · 4.125%
HK$175,924
baseline
▲ 0.50% · 4.625%
HK$185,197
+HK$9,273/mo
Deposit HK$14.10M · loan HK$32.90M · min. income ≈ HK$351,848/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,997,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,895
−HK$12,096/mo
▼ 0.25% · 3.875%
HK$198,895
−HK$6,096/mo
Today · 4.125%
HK$204,991
baseline
▲ 0.50% · 4.625%
HK$217,465
+HK$12,474/mo
Deposit HK$4.70M · loan HK$42.30M · min. income ≈ HK$409,982/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,997,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,594
−HK$11,594/mo
▼ 0.25% · 3.875%
HK$220,349
−HK$5,839/mo
Today · 4.125%
HK$226,188
baseline
▲ 0.50% · 4.625%
HK$238,111
+HK$11,923/mo
Deposit HK$4.70M · loan HK$42.30M · min. income ≈ HK$452,376/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,997,351 · Scale 2, in force from 26 Feb 2026)