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$91,292
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$94,131
−HK$2,885/mo
Today · 4.125%
HK$97,016
baseline
▲ 0.50% · 4.625%
HK$102,920
+HK$5,904/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$194,032/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,561
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$104,285
−HK$2,763/mo
Today · 4.125%
HK$107,048
baseline
▲ 0.50% · 4.625%
HK$112,691
+HK$5,643/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$214,096/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,550
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,958
−HK$3,462/mo
Today · 4.125%
HK$116,420
baseline
▲ 0.50% · 4.625%
HK$123,504
+HK$7,084/mo
Deposit HK$16.01M · loan HK$24.02M · min. income ≈ HK$232,840/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,701,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,873
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,142
−HK$3,316/mo
Today · 4.125%
HK$128,458
baseline
▲ 0.50% · 4.625%
HK$135,229
+HK$6,771/mo
Deposit HK$16.01M · loan HK$24.02M · min. income ≈ HK$256,916/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,701,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,808
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$131,784
−HK$4,039/mo
Today · 4.125%
HK$135,823
baseline
▲ 0.50% · 4.625%
HK$144,087
+HK$8,264/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$271,646/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,185
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$145,999
−HK$3,868/mo
Today · 4.125%
HK$149,867
baseline
▲ 0.50% · 4.625%
HK$157,767
+HK$7,900/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$299,734/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,325
−HK$10,305/mo
▼ 0.25% · 3.875%
HK$169,436
−HK$5,194/mo
Today · 4.125%
HK$174,630
baseline
▲ 0.50% · 4.625%
HK$185,255
+HK$10,625/mo
Deposit HK$4.00M · loan HK$36.03M · min. income ≈ HK$349,260/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,701,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,810
−HK$9,876/mo
▼ 0.25% · 3.875%
HK$187,713
−HK$4,973/mo
Today · 4.125%
HK$192,686
baseline
▲ 0.50% · 4.625%
HK$202,843
+HK$10,157/mo
Deposit HK$4.00M · loan HK$36.03M · min. income ≈ HK$385,372/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,701,517 · Scale 2, in force from 26 Feb 2026)