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$100,345
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$103,466
−HK$3,172/mo
Today · 4.125%
HK$106,638
baseline
▲ 0.50% · 4.625%
HK$113,126
+HK$6,488/mo
Deposit HK$22.00M · loan HK$22.00M · min. income ≈ HK$213,276/mo (50% DSR)
Upfront cash ≈ HK$23.87M (deposit + AVD stamp duty HK$1,870,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,633
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,627
−HK$3,037/mo
Today · 4.125%
HK$117,664
baseline
▲ 0.50% · 4.625%
HK$123,866
+HK$6,202/mo
Deposit HK$22.00M · loan HK$22.00M · min. income ≈ HK$235,328/mo (50% DSR)
Upfront cash ≈ HK$23.87M (deposit + AVD stamp duty HK$1,870,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,414
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$124,160
−HK$3,805/mo
Today · 4.125%
HK$127,965
baseline
▲ 0.50% · 4.625%
HK$135,752
+HK$7,787/mo
Deposit HK$17.60M · loan HK$26.40M · min. income ≈ HK$255,930/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,870,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,960
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$137,552
−HK$3,645/mo
Today · 4.125%
HK$141,197
baseline
▲ 0.50% · 4.625%
HK$148,640
+HK$7,443/mo
Deposit HK$17.60M · loan HK$26.40M · min. income ≈ HK$282,394/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,870,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,483
−HK$8,810/mo
▼ 0.25% · 3.875%
HK$144,853
−HK$4,440/mo
Today · 4.125%
HK$149,293
baseline
▲ 0.50% · 4.625%
HK$158,377
+HK$9,084/mo
Deposit HK$13.20M · loan HK$30.80M · min. income ≈ HK$298,586/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,870,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,286
−HK$8,444/mo
▼ 0.25% · 3.875%
HK$160,478
−HK$4,252/mo
Today · 4.125%
HK$164,730
baseline
▲ 0.50% · 4.625%
HK$173,413
+HK$8,683/mo
Deposit HK$13.20M · loan HK$30.80M · min. income ≈ HK$329,460/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,870,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,621
−HK$11,327/mo
▼ 0.25% · 3.875%
HK$186,240
−HK$5,708/mo
Today · 4.125%
HK$191,948
baseline
▲ 0.50% · 4.625%
HK$203,627
+HK$11,679/mo
Deposit HK$4.40M · loan HK$39.61M · min. income ≈ HK$383,896/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,939
−HK$10,856/mo
▼ 0.25% · 3.875%
HK$206,328
−HK$5,467/mo
Today · 4.125%
HK$211,795
baseline
▲ 0.50% · 4.625%
HK$222,959
+HK$11,164/mo
Deposit HK$4.40M · loan HK$39.61M · min. income ≈ HK$423,590/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,259 · Scale 2, in force from 26 Feb 2026)