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$84,359
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,983
−HK$2,666/mo
Today · 4.125%
HK$89,649
baseline
▲ 0.50% · 4.625%
HK$95,104
+HK$5,455/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$179,298/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,572,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,849
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,366
−HK$2,553/mo
Today · 4.125%
HK$98,919
baseline
▲ 0.50% · 4.625%
HK$104,133
+HK$5,214/mo
Deposit HK$18.50M · loan HK$18.50M · min. income ≈ HK$197,838/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,572,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,231
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,380
−HK$3,199/mo
Today · 4.125%
HK$107,579
baseline
▲ 0.50% · 4.625%
HK$114,125
+HK$6,546/mo
Deposit HK$14.80M · loan HK$22.20M · min. income ≈ HK$215,158/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,572,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,619
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,639
−HK$3,064/mo
Today · 4.125%
HK$118,703
baseline
▲ 0.50% · 4.625%
HK$124,960
+HK$6,257/mo
Deposit HK$14.80M · loan HK$22.20M · min. income ≈ HK$237,406/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,572,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,103
−HK$7,406/mo
▼ 0.25% · 3.875%
HK$121,777
−HK$3,732/mo
Today · 4.125%
HK$125,509
baseline
▲ 0.50% · 4.625%
HK$133,146
+HK$7,637/mo
Deposit HK$11.10M · loan HK$25.90M · min. income ≈ HK$251,018/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,572,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,388
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$134,912
−HK$3,575/mo
Today · 4.125%
HK$138,487
baseline
▲ 0.50% · 4.625%
HK$145,787
+HK$7,300/mo
Deposit HK$11.10M · loan HK$25.90M · min. income ≈ HK$276,974/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,572,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,847
−HK$9,522/mo
▼ 0.25% · 3.875%
HK$156,570
−HK$4,799/mo
Today · 4.125%
HK$161,369
baseline
▲ 0.50% · 4.625%
HK$171,188
+HK$9,819/mo
Deposit HK$3.70M · loan HK$33.30M · min. income ≈ HK$322,738/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,928
−HK$9,126/mo
▼ 0.25% · 3.875%
HK$173,458
−HK$4,596/mo
Today · 4.125%
HK$178,054
baseline
▲ 0.50% · 4.625%
HK$187,440
+HK$9,386/mo
Deposit HK$3.70M · loan HK$33.30M · min. income ≈ HK$356,108/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,572,309 · Scale 2, in force from 26 Feb 2026)