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$74,111
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,416
−HK$2,342/mo
Today · 4.125%
HK$78,758
baseline
▲ 0.50% · 4.625%
HK$83,550
+HK$4,792/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,516/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,447
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,659
−HK$2,243/mo
Today · 4.125%
HK$86,902
baseline
▲ 0.50% · 4.625%
HK$91,482
+HK$4,580/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,804/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,381,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,933
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$91,699
−HK$2,811/mo
Today · 4.125%
HK$94,510
baseline
▲ 0.50% · 4.625%
HK$100,260
+HK$5,750/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$189,020/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,937
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,590
−HK$2,692/mo
Today · 4.125%
HK$104,282
baseline
▲ 0.50% · 4.625%
HK$109,779
+HK$5,497/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$208,564/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,381,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,755
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,982
−HK$3,279/mo
Today · 4.125%
HK$110,261
baseline
▲ 0.50% · 4.625%
HK$116,970
+HK$6,709/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$220,522/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,426
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,522
−HK$3,140/mo
Today · 4.125%
HK$121,662
baseline
▲ 0.50% · 4.625%
HK$128,075
+HK$6,413/mo
Deposit HK$9.75M · loan HK$22.75M · min. income ≈ HK$243,324/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,381,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,399
−HK$8,366/mo
▼ 0.25% · 3.875%
HK$137,549
−HK$4,216/mo
Today · 4.125%
HK$141,765
baseline
▲ 0.50% · 4.625%
HK$150,391
+HK$8,626/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$283,530/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,405
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$152,385
−HK$4,038/mo
Today · 4.125%
HK$156,423
baseline
▲ 0.50% · 4.625%
HK$164,668
+HK$8,245/mo
Deposit HK$3.25M · loan HK$29.25M · min. income ≈ HK$312,846/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,294 · Scale 2, in force from 26 Feb 2026)