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$54,183
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,868
−HK$1,712/mo
Today · 4.125%
HK$57,580
baseline
▲ 0.50% · 4.625%
HK$61,084
+HK$3,504/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,160/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,278
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,894
−HK$1,640/mo
Today · 4.125%
HK$63,534
baseline
▲ 0.50% · 4.625%
HK$66,883
+HK$3,349/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,068/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,019
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,042
−HK$2,054/mo
Today · 4.125%
HK$69,096
baseline
▲ 0.50% · 4.625%
HK$73,301
+HK$4,205/mo
Deposit HK$9.50M · loan HK$14.26M · min. income ≈ HK$138,192/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,333
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,273
−HK$1,968/mo
Today · 4.125%
HK$76,241
baseline
▲ 0.50% · 4.625%
HK$80,260
+HK$4,019/mo
Deposit HK$9.50M · loan HK$14.26M · min. income ≈ HK$152,482/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,856
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,215
−HK$2,397/mo
Today · 4.125%
HK$80,612
baseline
▲ 0.50% · 4.625%
HK$85,517
+HK$4,905/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,224/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,389
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,652
−HK$2,296/mo
Today · 4.125%
HK$88,948
baseline
▲ 0.50% · 4.625%
HK$93,636
+HK$4,688/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,896/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,529
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,562
−HK$3,083/mo
Today · 4.125%
HK$103,645
baseline
▲ 0.50% · 4.625%
HK$109,951
+HK$6,306/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,290/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,500
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,410
−HK$2,952/mo
Today · 4.125%
HK$114,362
baseline
▲ 0.50% · 4.625%
HK$120,390
+HK$6,028/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,724/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,869 · Scale 2, in force from 26 Feb 2026)