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$92,343
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,215
−HK$2,918/mo
Today · 4.125%
HK$98,133
baseline
▲ 0.50% · 4.625%
HK$104,104
+HK$5,971/mo
Deposit HK$20.25M · loan HK$20.25M · min. income ≈ HK$196,266/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$1,721,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,730
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,485
−HK$2,795/mo
Today · 4.125%
HK$108,280
baseline
▲ 0.50% · 4.625%
HK$113,988
+HK$5,708/mo
Deposit HK$20.25M · loan HK$20.25M · min. income ≈ HK$216,560/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$1,721,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,811
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$114,258
−HK$3,502/mo
Today · 4.125%
HK$117,760
baseline
▲ 0.50% · 4.625%
HK$124,925
+HK$7,165/mo
Deposit HK$16.20M · loan HK$24.30M · min. income ≈ HK$235,520/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,721,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,276
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$126,582
−HK$3,354/mo
Today · 4.125%
HK$129,936
baseline
▲ 0.50% · 4.625%
HK$136,786
+HK$6,850/mo
Deposit HK$16.20M · loan HK$24.30M · min. income ≈ HK$259,872/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,721,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,280
−HK$8,107/mo
▼ 0.25% · 3.875%
HK$133,301
−HK$4,086/mo
Today · 4.125%
HK$137,387
baseline
▲ 0.50% · 4.625%
HK$145,746
+HK$8,359/mo
Deposit HK$12.15M · loan HK$28.35M · min. income ≈ HK$274,774/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,721,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,822
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$147,680
−HK$3,913/mo
Today · 4.125%
HK$151,593
baseline
▲ 0.50% · 4.625%
HK$159,583
+HK$7,990/mo
Deposit HK$12.15M · loan HK$28.35M · min. income ≈ HK$303,186/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,721,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,217
−HK$10,423/mo
▼ 0.25% · 3.875%
HK$171,387
−HK$5,253/mo
Today · 4.125%
HK$176,640
baseline
▲ 0.50% · 4.625%
HK$187,388
+HK$10,748/mo
Deposit HK$4.05M · loan HK$36.45M · min. income ≈ HK$353,280/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,914
−HK$9,991/mo
▼ 0.25% · 3.875%
HK$189,874
−HK$5,031/mo
Today · 4.125%
HK$194,905
baseline
▲ 0.50% · 4.625%
HK$205,178
+HK$10,273/mo
Deposit HK$4.05M · loan HK$36.45M · min. income ≈ HK$389,810/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,105 · Scale 2, in force from 26 Feb 2026)