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$96,917
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,931
−HK$3,063/mo
Today · 4.125%
HK$102,994
baseline
▲ 0.50% · 4.625%
HK$109,261
+HK$6,267/mo
Deposit HK$21.25M · loan HK$21.25M · min. income ≈ HK$205,988/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$1,806,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,819
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,710
−HK$2,934/mo
Today · 4.125%
HK$113,644
baseline
▲ 0.50% · 4.625%
HK$119,634
+HK$5,990/mo
Deposit HK$21.25M · loan HK$21.25M · min. income ≈ HK$227,288/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$1,806,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,300
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$119,918
−HK$3,675/mo
Today · 4.125%
HK$123,593
baseline
▲ 0.50% · 4.625%
HK$131,113
+HK$7,520/mo
Deposit HK$17.00M · loan HK$25.50M · min. income ≈ HK$247,186/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,806,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,383
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$132,853
−HK$3,520/mo
Today · 4.125%
HK$136,373
baseline
▲ 0.50% · 4.625%
HK$143,561
+HK$7,188/mo
Deposit HK$17.00M · loan HK$25.50M · min. income ≈ HK$272,746/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,806,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,683
−HK$8,509/mo
▼ 0.25% · 3.875%
HK$139,904
−HK$4,288/mo
Today · 4.125%
HK$144,192
baseline
▲ 0.50% · 4.625%
HK$152,966
+HK$8,774/mo
Deposit HK$12.75M · loan HK$29.75M · min. income ≈ HK$288,384/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,806,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,946
−HK$8,155/mo
▼ 0.25% · 3.875%
HK$154,995
−HK$4,106/mo
Today · 4.125%
HK$159,101
baseline
▲ 0.50% · 4.625%
HK$167,488
+HK$8,387/mo
Deposit HK$12.75M · loan HK$29.75M · min. income ≈ HK$318,202/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,806,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,450
−HK$10,940/mo
▼ 0.25% · 3.875%
HK$179,876
−HK$5,514/mo
Today · 4.125%
HK$185,390
baseline
▲ 0.50% · 4.625%
HK$196,670
+HK$11,280/mo
Deposit HK$4.25M · loan HK$38.25M · min. income ≈ HK$370,780/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,806,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,074
−HK$10,485/mo
▼ 0.25% · 3.875%
HK$199,279
−HK$5,280/mo
Today · 4.125%
HK$204,559
baseline
▲ 0.50% · 4.625%
HK$215,342
+HK$10,783/mo
Deposit HK$4.25M · loan HK$38.25M · min. income ≈ HK$409,118/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,806,358 · Scale 2, in force from 26 Feb 2026)