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$102,592
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$105,783
−HK$3,242/mo
Today · 4.125%
HK$109,025
baseline
▲ 0.50% · 4.625%
HK$115,659
+HK$6,634/mo
Deposit HK$22.50M · loan HK$22.50M · min. income ≈ HK$218,050/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$1,912,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,132
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$117,193
−HK$3,106/mo
Today · 4.125%
HK$120,299
baseline
▲ 0.50% · 4.625%
HK$126,640
+HK$6,341/mo
Deposit HK$22.50M · loan HK$22.50M · min. income ≈ HK$240,598/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$1,912,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,110
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$126,940
−HK$3,890/mo
Today · 4.125%
HK$130,830
baseline
▲ 0.50% · 4.625%
HK$138,791
+HK$7,961/mo
Deposit HK$18.00M · loan HK$26.99M · min. income ≈ HK$261,660/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,912,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,959
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$140,632
−HK$3,726/mo
Today · 4.125%
HK$144,358
baseline
▲ 0.50% · 4.625%
HK$151,968
+HK$7,610/mo
Deposit HK$18.00M · loan HK$26.99M · min. income ≈ HK$288,716/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,912,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,629
−HK$9,006/mo
▼ 0.25% · 3.875%
HK$148,096
−HK$4,539/mo
Today · 4.125%
HK$152,635
baseline
▲ 0.50% · 4.625%
HK$161,923
+HK$9,288/mo
Deposit HK$13.50M · loan HK$31.49M · min. income ≈ HK$305,270/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,912,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,785
−HK$8,633/mo
▼ 0.25% · 3.875%
HK$164,071
−HK$4,347/mo
Today · 4.125%
HK$168,418
baseline
▲ 0.50% · 4.625%
HK$177,296
+HK$8,878/mo
Deposit HK$13.50M · loan HK$31.49M · min. income ≈ HK$336,836/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,912,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,665
−HK$11,580/mo
▼ 0.25% · 3.875%
HK$190,409
−HK$5,836/mo
Today · 4.125%
HK$196,245
baseline
▲ 0.50% · 4.625%
HK$208,187
+HK$11,942/mo
Deposit HK$4.50M · loan HK$40.49M · min. income ≈ HK$392,490/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,912,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,438
−HK$11,100/mo
▼ 0.25% · 3.875%
HK$210,948
−HK$5,590/mo
Today · 4.125%
HK$216,538
baseline
▲ 0.50% · 4.625%
HK$227,952
+HK$11,414/mo
Deposit HK$4.50M · loan HK$40.49M · min. income ≈ HK$433,076/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,912,134 · Scale 2, in force from 26 Feb 2026)