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$54,630
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,329
−HK$1,726/mo
Today · 4.125%
HK$58,055
baseline
▲ 0.50% · 4.625%
HK$61,588
+HK$3,533/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,110/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,775
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,405
−HK$1,653/mo
Today · 4.125%
HK$64,058
baseline
▲ 0.50% · 4.625%
HK$67,435
+HK$3,377/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,116/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,556
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,595
−HK$2,072/mo
Today · 4.125%
HK$69,667
baseline
▲ 0.50% · 4.625%
HK$73,906
+HK$4,239/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,334/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,930
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,886
−HK$1,984/mo
Today · 4.125%
HK$76,870
baseline
▲ 0.50% · 4.625%
HK$80,922
+HK$4,052/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,740/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,482
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,861
−HK$2,417/mo
Today · 4.125%
HK$81,278
baseline
▲ 0.50% · 4.625%
HK$86,223
+HK$4,945/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,556/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,085
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,367
−HK$2,315/mo
Today · 4.125%
HK$89,682
baseline
▲ 0.50% · 4.625%
HK$94,409
+HK$4,727/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,364/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,333
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$101,392
−HK$3,108/mo
Today · 4.125%
HK$104,500
baseline
▲ 0.50% · 4.625%
HK$110,858
+HK$6,358/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$209,000/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,395
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$112,329
−HK$2,976/mo
Today · 4.125%
HK$115,305
baseline
▲ 0.50% · 4.625%
HK$121,383
+HK$6,078/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$230,610/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,202 · Scale 2, in force from 26 Feb 2026)