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$100,315
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$103,436
−HK$3,170/mo
Today · 4.125%
HK$106,606
baseline
▲ 0.50% · 4.625%
HK$113,093
+HK$6,487/mo
Deposit HK$22.00M · loan HK$22.00M · min. income ≈ HK$213,212/mo (50% DSR)
Upfront cash ≈ HK$23.87M (deposit + AVD stamp duty HK$1,869,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,600
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$114,593
−HK$3,036/mo
Today · 4.125%
HK$117,629
baseline
▲ 0.50% · 4.625%
HK$123,830
+HK$6,201/mo
Deposit HK$22.00M · loan HK$22.00M · min. income ≈ HK$235,258/mo (50% DSR)
Upfront cash ≈ HK$23.87M (deposit + AVD stamp duty HK$1,869,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,378
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$124,123
−HK$3,804/mo
Today · 4.125%
HK$127,927
baseline
▲ 0.50% · 4.625%
HK$135,711
+HK$7,784/mo
Deposit HK$17.60M · loan HK$26.40M · min. income ≈ HK$255,854/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,869,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,920
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$137,511
−HK$3,644/mo
Today · 4.125%
HK$141,155
baseline
▲ 0.50% · 4.625%
HK$148,595
+HK$7,440/mo
Deposit HK$17.60M · loan HK$26.40M · min. income ≈ HK$282,310/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,869,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,441
−HK$8,807/mo
▼ 0.25% · 3.875%
HK$144,810
−HK$4,438/mo
Today · 4.125%
HK$149,248
baseline
▲ 0.50% · 4.625%
HK$158,330
+HK$9,082/mo
Deposit HK$13.20M · loan HK$30.80M · min. income ≈ HK$298,496/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,869,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,240
−HK$8,441/mo
▼ 0.25% · 3.875%
HK$160,430
−HK$4,251/mo
Today · 4.125%
HK$164,681
baseline
▲ 0.50% · 4.625%
HK$173,361
+HK$8,680/mo
Deposit HK$13.20M · loan HK$30.80M · min. income ≈ HK$329,362/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,869,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,567
−HK$11,324/mo
▼ 0.25% · 3.875%
HK$186,184
−HK$5,707/mo
Today · 4.125%
HK$191,891
baseline
▲ 0.50% · 4.625%
HK$203,567
+HK$11,676/mo
Deposit HK$4.40M · loan HK$39.59M · min. income ≈ HK$383,782/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,869,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,880
−HK$10,852/mo
▼ 0.25% · 3.875%
HK$206,267
−HK$5,465/mo
Today · 4.125%
HK$211,732
baseline
▲ 0.50% · 4.625%
HK$222,893
+HK$11,161/mo
Deposit HK$4.40M · loan HK$39.59M · min. income ≈ HK$423,464/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,869,702 · Scale 2, in force from 26 Feb 2026)