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$91,196
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$94,033
−HK$2,882/mo
Today · 4.125%
HK$96,915
baseline
▲ 0.50% · 4.625%
HK$102,812
+HK$5,897/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$193,830/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,699,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,455
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$104,176
−HK$2,760/mo
Today · 4.125%
HK$106,936
baseline
▲ 0.50% · 4.625%
HK$112,573
+HK$5,637/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$213,872/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,699,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,436
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$112,840
−HK$3,458/mo
Today · 4.125%
HK$116,298
baseline
▲ 0.50% · 4.625%
HK$123,375
+HK$7,077/mo
Deposit HK$16.00M · loan HK$24.00M · min. income ≈ HK$232,596/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,699,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,746
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$125,011
−HK$3,313/mo
Today · 4.125%
HK$128,324
baseline
▲ 0.50% · 4.625%
HK$135,088
+HK$6,764/mo
Deposit HK$16.00M · loan HK$24.00M · min. income ≈ HK$256,648/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,699,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,675
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$131,646
−HK$4,035/mo
Today · 4.125%
HK$135,681
baseline
▲ 0.50% · 4.625%
HK$143,937
+HK$8,256/mo
Deposit HK$12.00M · loan HK$28.00M · min. income ≈ HK$271,362/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,699,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,037
−HK$7,674/mo
▼ 0.25% · 3.875%
HK$145,847
−HK$3,864/mo
Today · 4.125%
HK$149,711
baseline
▲ 0.50% · 4.625%
HK$157,602
+HK$7,891/mo
Deposit HK$12.00M · loan HK$28.00M · min. income ≈ HK$299,422/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,699,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,154
−HK$10,293/mo
▼ 0.25% · 3.875%
HK$169,260
−HK$5,187/mo
Today · 4.125%
HK$174,447
baseline
▲ 0.50% · 4.625%
HK$185,062
+HK$10,615/mo
Deposit HK$4.00M · loan HK$35.99M · min. income ≈ HK$348,894/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,619
−HK$9,867/mo
▼ 0.25% · 3.875%
HK$187,517
−HK$4,969/mo
Today · 4.125%
HK$192,486
baseline
▲ 0.50% · 4.625%
HK$202,632
+HK$10,146/mo
Deposit HK$4.00M · loan HK$35.99M · min. income ≈ HK$384,972/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,743 · Scale 2, in force from 26 Feb 2026)