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$91,241
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$94,079
−HK$2,884/mo
Today · 4.125%
HK$96,963
baseline
▲ 0.50% · 4.625%
HK$102,863
+HK$5,900/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$193,926/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,700,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,505
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$104,227
−HK$2,762/mo
Today · 4.125%
HK$106,989
baseline
▲ 0.50% · 4.625%
HK$112,628
+HK$5,639/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$213,978/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,700,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,489
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$112,895
−HK$3,460/mo
Today · 4.125%
HK$116,355
baseline
▲ 0.50% · 4.625%
HK$123,435
+HK$7,080/mo
Deposit HK$16.01M · loan HK$24.01M · min. income ≈ HK$232,710/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,700,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,806
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$125,072
−HK$3,314/mo
Today · 4.125%
HK$128,386
baseline
▲ 0.50% · 4.625%
HK$135,154
+HK$6,768/mo
Deposit HK$16.01M · loan HK$24.01M · min. income ≈ HK$256,772/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,700,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,737
−HK$8,011/mo
▼ 0.25% · 3.875%
HK$131,711
−HK$4,037/mo
Today · 4.125%
HK$135,748
baseline
▲ 0.50% · 4.625%
HK$144,008
+HK$8,260/mo
Deposit HK$12.00M · loan HK$28.01M · min. income ≈ HK$271,496/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,700,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,107
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$145,918
−HK$3,866/mo
Today · 4.125%
HK$149,784
baseline
▲ 0.50% · 4.625%
HK$157,679
+HK$7,895/mo
Deposit HK$12.00M · loan HK$28.01M · min. income ≈ HK$299,568/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,700,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,234
−HK$10,299/mo
▼ 0.25% · 3.875%
HK$169,342
−HK$5,191/mo
Today · 4.125%
HK$174,533
baseline
▲ 0.50% · 4.625%
HK$185,153
+HK$10,620/mo
Deposit HK$4.00M · loan HK$36.01M · min. income ≈ HK$349,066/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,708
−HK$9,872/mo
▼ 0.25% · 3.875%
HK$187,609
−HK$4,971/mo
Today · 4.125%
HK$192,580
baseline
▲ 0.50% · 4.625%
HK$202,731
+HK$10,151/mo
Deposit HK$4.00M · loan HK$36.01M · min. income ≈ HK$385,160/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,573 · Scale 2, in force from 26 Feb 2026)