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$83,218
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,807
−HK$2,629/mo
Today · 4.125%
HK$88,436
baseline
▲ 0.50% · 4.625%
HK$93,818
+HK$5,382/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,872/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,579
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,062
−HK$2,519/mo
Today · 4.125%
HK$97,581
baseline
▲ 0.50% · 4.625%
HK$102,725
+HK$5,144/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,162/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,862
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,968
−HK$3,156/mo
Today · 4.125%
HK$106,124
baseline
▲ 0.50% · 4.625%
HK$112,581
+HK$6,457/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,248/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,095
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,074
−HK$3,023/mo
Today · 4.125%
HK$117,097
baseline
▲ 0.50% · 4.625%
HK$123,269
+HK$6,172/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,194/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,505
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$120,129
−HK$3,682/mo
Today · 4.125%
HK$123,811
baseline
▲ 0.50% · 4.625%
HK$131,345
+HK$7,534/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$247,622/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,611
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$133,087
−HK$3,526/mo
Today · 4.125%
HK$136,613
baseline
▲ 0.50% · 4.625%
HK$143,814
+HK$7,201/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$273,226/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,792
−HK$9,394/mo
▼ 0.25% · 3.875%
HK$154,452
−HK$4,734/mo
Today · 4.125%
HK$159,186
baseline
▲ 0.50% · 4.625%
HK$168,872
+HK$9,686/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$318,372/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,642
−HK$9,004/mo
▼ 0.25% · 3.875%
HK$171,112
−HK$4,534/mo
Today · 4.125%
HK$175,646
baseline
▲ 0.50% · 4.625%
HK$184,904
+HK$9,258/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$351,292/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,038 · Scale 2, in force from 26 Feb 2026)