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$92,349
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,221
−HK$2,919/mo
Today · 4.125%
HK$98,140
baseline
▲ 0.50% · 4.625%
HK$104,111
+HK$5,971/mo
Deposit HK$20.25M · loan HK$20.25M · min. income ≈ HK$196,280/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$1,721,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,737
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,492
−HK$2,796/mo
Today · 4.125%
HK$108,288
baseline
▲ 0.50% · 4.625%
HK$113,996
+HK$5,708/mo
Deposit HK$20.25M · loan HK$20.25M · min. income ≈ HK$216,576/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$1,721,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,819
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$114,266
−HK$3,502/mo
Today · 4.125%
HK$117,768
baseline
▲ 0.50% · 4.625%
HK$124,934
+HK$7,166/mo
Deposit HK$16.20M · loan HK$24.30M · min. income ≈ HK$235,536/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,721,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,285
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$126,591
−HK$3,354/mo
Today · 4.125%
HK$129,945
baseline
▲ 0.50% · 4.625%
HK$136,795
+HK$6,850/mo
Deposit HK$16.20M · loan HK$24.30M · min. income ≈ HK$259,890/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,721,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,288
−HK$8,108/mo
▼ 0.25% · 3.875%
HK$133,310
−HK$4,086/mo
Today · 4.125%
HK$137,396
baseline
▲ 0.50% · 4.625%
HK$145,756
+HK$8,360/mo
Deposit HK$12.15M · loan HK$28.35M · min. income ≈ HK$274,792/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,721,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,832
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$147,689
−HK$3,914/mo
Today · 4.125%
HK$151,603
baseline
▲ 0.50% · 4.625%
HK$159,594
+HK$7,991/mo
Deposit HK$12.15M · loan HK$28.35M · min. income ≈ HK$303,206/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,721,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,228
−HK$10,424/mo
▼ 0.25% · 3.875%
HK$171,399
−HK$5,253/mo
Today · 4.125%
HK$176,652
baseline
▲ 0.50% · 4.625%
HK$187,401
+HK$10,749/mo
Deposit HK$4.05M · loan HK$36.45M · min. income ≈ HK$353,304/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,927
−HK$9,991/mo
▼ 0.25% · 3.875%
HK$189,886
−HK$5,032/mo
Today · 4.125%
HK$194,918
baseline
▲ 0.50% · 4.625%
HK$205,192
+HK$10,274/mo
Deposit HK$4.05M · loan HK$36.45M · min. income ≈ HK$389,836/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,221 · Scale 2, in force from 26 Feb 2026)