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$79,814
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,296
−HK$2,523/mo
Today · 4.125%
HK$84,819
baseline
▲ 0.50% · 4.625%
HK$89,980
+HK$5,161/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$169,638/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,792
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,173
−HK$2,416/mo
Today · 4.125%
HK$93,589
baseline
▲ 0.50% · 4.625%
HK$98,522
+HK$4,933/mo
Deposit HK$17.50M · loan HK$17.50M · min. income ≈ HK$187,178/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,487,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,776
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,755
−HK$3,027/mo
Today · 4.125%
HK$101,782
baseline
▲ 0.50% · 4.625%
HK$107,975
+HK$6,193/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$203,564/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,550
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,408
−HK$2,899/mo
Today · 4.125%
HK$112,307
baseline
▲ 0.50% · 4.625%
HK$118,226
+HK$5,919/mo
Deposit HK$14.00M · loan HK$21.00M · min. income ≈ HK$224,614/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,487,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,739
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,215
−HK$3,531/mo
Today · 4.125%
HK$118,746
baseline
▲ 0.50% · 4.625%
HK$125,971
+HK$7,225/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$237,492/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,308
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$127,642
−HK$3,382/mo
Today · 4.125%
HK$131,024
baseline
▲ 0.50% · 4.625%
HK$137,931
+HK$6,907/mo
Deposit HK$10.50M · loan HK$24.50M · min. income ≈ HK$262,048/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,487,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,664
−HK$9,009/mo
▼ 0.25% · 3.875%
HK$148,133
−HK$4,540/mo
Today · 4.125%
HK$152,673
baseline
▲ 0.50% · 4.625%
HK$161,963
+HK$9,290/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$305,346/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,825
−HK$8,635/mo
▼ 0.25% · 3.875%
HK$164,112
−HK$4,348/mo
Today · 4.125%
HK$168,460
baseline
▲ 0.50% · 4.625%
HK$177,340
+HK$8,880/mo
Deposit HK$3.50M · loan HK$31.50M · min. income ≈ HK$336,920/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,487,585 · Scale 2, in force from 26 Feb 2026)