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$72,972
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,242
−HK$2,306/mo
Today · 4.125%
HK$77,548
baseline
▲ 0.50% · 4.625%
HK$82,267
+HK$4,719/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,096/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,181
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,358
−HK$2,209/mo
Today · 4.125%
HK$85,567
baseline
▲ 0.50% · 4.625%
HK$90,077
+HK$4,510/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,134/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,567
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,291
−HK$2,767/mo
Today · 4.125%
HK$93,058
baseline
▲ 0.50% · 4.625%
HK$98,721
+HK$5,663/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,116/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,417
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,030
−HK$2,651/mo
Today · 4.125%
HK$102,681
baseline
▲ 0.50% · 4.625%
HK$108,093
+HK$5,412/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,362/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,161
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,339
−HK$3,229/mo
Today · 4.125%
HK$108,568
baseline
▲ 0.50% · 4.625%
HK$115,174
+HK$6,606/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,136/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,654
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,702
−HK$3,092/mo
Today · 4.125%
HK$119,794
baseline
▲ 0.50% · 4.625%
HK$126,108
+HK$6,314/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,588/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,350
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$135,436
−HK$4,151/mo
Today · 4.125%
HK$139,587
baseline
▲ 0.50% · 4.625%
HK$148,081
+HK$8,494/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$279,174/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,126
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$150,045
−HK$3,976/mo
Today · 4.125%
HK$154,021
baseline
▲ 0.50% · 4.625%
HK$162,139
+HK$8,118/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$308,042/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,080 · Scale 2, in force from 26 Feb 2026)