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$114,090
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$117,639
−HK$3,606/mo
Today · 4.125%
HK$121,245
baseline
▲ 0.50% · 4.625%
HK$128,622
+HK$7,377/mo
Deposit HK$25.02M · loan HK$25.02M · min. income ≈ HK$242,490/mo (50% DSR)
Upfront cash ≈ HK$27.14M (deposit + AVD stamp duty HK$2,126,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,924
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$130,328
−HK$3,454/mo
Today · 4.125%
HK$133,782
baseline
▲ 0.50% · 4.625%
HK$140,834
+HK$7,052/mo
Deposit HK$25.02M · loan HK$25.02M · min. income ≈ HK$267,564/mo (50% DSR)
Upfront cash ≈ HK$27.14M (deposit + AVD stamp duty HK$2,126,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,908
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$141,167
−HK$4,327/mo
Today · 4.125%
HK$145,494
baseline
▲ 0.50% · 4.625%
HK$154,347
+HK$8,853/mo
Deposit HK$20.01M · loan HK$30.02M · min. income ≈ HK$290,988/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$2,126,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,309
−HK$8,229/mo
▼ 0.25% · 3.875%
HK$156,394
−HK$4,144/mo
Today · 4.125%
HK$160,538
baseline
▲ 0.50% · 4.625%
HK$169,000
+HK$8,462/mo
Deposit HK$20.01M · loan HK$30.02M · min. income ≈ HK$321,076/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$2,126,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,726
−HK$10,017/mo
▼ 0.25% · 3.875%
HK$164,695
−HK$5,048/mo
Today · 4.125%
HK$169,743
baseline
▲ 0.50% · 4.625%
HK$180,071
+HK$10,328/mo
Deposit HK$15.01M · loan HK$35.02M · min. income ≈ HK$339,486/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$2,126,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,694
−HK$9,600/mo
▼ 0.25% · 3.875%
HK$182,460
−HK$4,834/mo
Today · 4.125%
HK$187,294
baseline
▲ 0.50% · 4.625%
HK$197,167
+HK$9,873/mo
Deposit HK$15.01M · loan HK$35.02M · min. income ≈ HK$374,588/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$2,126,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,363
−HK$12,878/mo
▼ 0.25% · 3.875%
HK$211,751
−HK$6,490/mo
Today · 4.125%
HK$218,241
baseline
▲ 0.50% · 4.625%
HK$231,520
+HK$13,279/mo
Deposit HK$5.00M · loan HK$45.03M · min. income ≈ HK$436,482/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,126,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,464
−HK$12,343/mo
▼ 0.25% · 3.875%
HK$234,591
−HK$6,216/mo
Today · 4.125%
HK$240,807
baseline
▲ 0.50% · 4.625%
HK$253,500
+HK$12,693/mo
Deposit HK$5.00M · loan HK$45.03M · min. income ≈ HK$481,614/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$2,126,445 · Scale 2, in force from 26 Feb 2026)