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$74,092
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,397
−HK$2,341/mo
Today · 4.125%
HK$78,738
baseline
▲ 0.50% · 4.625%
HK$83,529
+HK$4,791/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,476/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,380,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,427
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,637
−HK$2,243/mo
Today · 4.125%
HK$86,880
baseline
▲ 0.50% · 4.625%
HK$91,459
+HK$4,579/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,760/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,380,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,910
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,676
−HK$2,810/mo
Today · 4.125%
HK$94,486
baseline
▲ 0.50% · 4.625%
HK$100,235
+HK$5,749/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$188,972/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,380,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,912
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,565
−HK$2,691/mo
Today · 4.125%
HK$104,256
baseline
▲ 0.50% · 4.625%
HK$109,751
+HK$5,495/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$208,512/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,380,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,729
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,955
−HK$3,279/mo
Today · 4.125%
HK$110,234
baseline
▲ 0.50% · 4.625%
HK$116,941
+HK$6,707/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$220,468/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,397
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,492
−HK$3,140/mo
Today · 4.125%
HK$121,632
baseline
▲ 0.50% · 4.625%
HK$128,043
+HK$6,411/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$243,264/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,366
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$137,514
−HK$4,215/mo
Today · 4.125%
HK$141,729
baseline
▲ 0.50% · 4.625%
HK$150,353
+HK$8,624/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$283,458/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,368
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$152,347
−HK$4,037/mo
Today · 4.125%
HK$156,384
baseline
▲ 0.50% · 4.625%
HK$164,627
+HK$8,243/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$312,768/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,946 · Scale 2, in force from 26 Feb 2026)