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$53,851
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,526
−HK$1,702/mo
Today · 4.125%
HK$57,228
baseline
▲ 0.50% · 4.625%
HK$60,710
+HK$3,482/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,456/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,908
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,515
−HK$1,630/mo
Today · 4.125%
HK$63,145
baseline
▲ 0.50% · 4.625%
HK$66,474
+HK$3,329/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,290/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,621
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,631
−HK$2,042/mo
Today · 4.125%
HK$68,673
baseline
▲ 0.50% · 4.625%
HK$72,852
+HK$4,179/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,346/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,890
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,818
−HK$1,956/mo
Today · 4.125%
HK$75,774
baseline
▲ 0.50% · 4.625%
HK$79,768
+HK$3,994/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,548/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,391
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,736
−HK$2,383/mo
Today · 4.125%
HK$80,119
baseline
▲ 0.50% · 4.625%
HK$84,994
+HK$4,875/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$160,238/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,872
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,121
−HK$2,282/mo
Today · 4.125%
HK$88,403
baseline
▲ 0.50% · 4.625%
HK$93,063
+HK$4,660/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$176,806/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,931
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,947
−HK$3,063/mo
Today · 4.125%
HK$103,010
baseline
▲ 0.50% · 4.625%
HK$109,278
+HK$6,268/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$206,020/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,835
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,727
−HK$2,934/mo
Today · 4.125%
HK$113,661
baseline
▲ 0.50% · 4.625%
HK$119,652
+HK$5,991/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,322/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,685 · Scale 2, in force from 26 Feb 2026)