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$98,031
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,080
−HK$3,098/mo
Today · 4.125%
HK$104,178
baseline
▲ 0.50% · 4.625%
HK$110,517
+HK$6,339/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$208,356/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,827,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,058
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,983
−HK$2,967/mo
Today · 4.125%
HK$114,950
baseline
▲ 0.50% · 4.625%
HK$121,009
+HK$6,059/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$229,900/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,827,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,637
−HK$7,377/mo
▼ 0.25% · 3.875%
HK$121,296
−HK$3,718/mo
Today · 4.125%
HK$125,014
baseline
▲ 0.50% · 4.625%
HK$132,621
+HK$7,607/mo
Deposit HK$17.20M · loan HK$25.79M · min. income ≈ HK$250,028/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,827,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,870
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$134,380
−HK$3,560/mo
Today · 4.125%
HK$137,940
baseline
▲ 0.50% · 4.625%
HK$145,211
+HK$7,271/mo
Deposit HK$17.20M · loan HK$25.79M · min. income ≈ HK$275,880/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,827,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,243
−HK$8,606/mo
▼ 0.25% · 3.875%
HK$141,512
−HK$4,337/mo
Today · 4.125%
HK$145,849
baseline
▲ 0.50% · 4.625%
HK$154,724
+HK$8,875/mo
Deposit HK$12.90M · loan HK$30.09M · min. income ≈ HK$291,698/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,827,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,682
−HK$8,248/mo
▼ 0.25% · 3.875%
HK$156,776
−HK$4,154/mo
Today · 4.125%
HK$160,930
baseline
▲ 0.50% · 4.625%
HK$169,413
+HK$8,483/mo
Deposit HK$12.90M · loan HK$30.09M · min. income ≈ HK$321,860/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,827,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,455
−HK$11,066/mo
▼ 0.25% · 3.875%
HK$181,944
−HK$5,577/mo
Today · 4.125%
HK$187,521
baseline
▲ 0.50% · 4.625%
HK$198,931
+HK$11,410/mo
Deposit HK$4.30M · loan HK$38.69M · min. income ≈ HK$375,042/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,305
−HK$10,606/mo
▼ 0.25% · 3.875%
HK$201,570
−HK$5,341/mo
Today · 4.125%
HK$206,911
baseline
▲ 0.50% · 4.625%
HK$217,817
+HK$10,906/mo
Deposit HK$4.30M · loan HK$38.69M · min. income ≈ HK$413,822/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,122 · Scale 2, in force from 26 Feb 2026)