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$70,688
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,887
−HK$2,234/mo
Today · 4.125%
HK$75,121
baseline
▲ 0.50% · 4.625%
HK$79,692
+HK$4,571/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$150,242/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,640
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,749
−HK$2,139/mo
Today · 4.125%
HK$82,888
baseline
▲ 0.50% · 4.625%
HK$87,258
+HK$4,370/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$165,776/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,826
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,464
−HK$2,681/mo
Today · 4.125%
HK$90,145
baseline
▲ 0.50% · 4.625%
HK$95,630
+HK$5,485/mo
Deposit HK$12.40M · loan HK$18.60M · min. income ≈ HK$180,290/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,368
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,899
−HK$2,567/mo
Today · 4.125%
HK$99,466
baseline
▲ 0.50% · 4.625%
HK$104,709
+HK$5,243/mo
Deposit HK$12.40M · loan HK$18.60M · min. income ≈ HK$198,932/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,963
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,042
−HK$3,127/mo
Today · 4.125%
HK$105,169
baseline
▲ 0.50% · 4.625%
HK$111,569
+HK$6,400/mo
Deposit HK$9.30M · loan HK$21.70M · min. income ≈ HK$210,338/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,096
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,048
−HK$2,996/mo
Today · 4.125%
HK$116,044
baseline
▲ 0.50% · 4.625%
HK$122,161
+HK$6,117/mo
Deposit HK$9.30M · loan HK$21.70M · min. income ≈ HK$232,088/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,239
−HK$7,979/mo
▼ 0.25% · 3.875%
HK$131,196
−HK$4,022/mo
Today · 4.125%
HK$135,218
baseline
▲ 0.50% · 4.625%
HK$143,445
+HK$8,227/mo
Deposit HK$3.10M · loan HK$27.90M · min. income ≈ HK$270,436/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,552
−HK$7,647/mo
▼ 0.25% · 3.875%
HK$145,348
−HK$3,851/mo
Today · 4.125%
HK$149,199
baseline
▲ 0.50% · 4.625%
HK$157,064
+HK$7,865/mo
Deposit HK$3.10M · loan HK$27.90M · min. income ≈ HK$298,398/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,504 · Scale 2, in force from 26 Feb 2026)