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$53,970
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,649
−HK$1,706/mo
Today · 4.125%
HK$57,355
baseline
▲ 0.50% · 4.625%
HK$60,845
+HK$3,490/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,710/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,041
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,652
−HK$1,633/mo
Today · 4.125%
HK$63,285
baseline
▲ 0.50% · 4.625%
HK$66,621
+HK$3,336/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,570/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,764
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,779
−HK$2,047/mo
Today · 4.125%
HK$68,826
baseline
▲ 0.50% · 4.625%
HK$73,013
+HK$4,187/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,652/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,050
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,982
−HK$1,960/mo
Today · 4.125%
HK$75,942
baseline
▲ 0.50% · 4.625%
HK$79,945
+HK$4,003/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,884/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,558
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,909
−HK$2,387/mo
Today · 4.125%
HK$80,296
baseline
▲ 0.50% · 4.625%
HK$85,182
+HK$4,886/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,592/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,058
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,312
−HK$2,287/mo
Today · 4.125%
HK$88,599
baseline
▲ 0.50% · 4.625%
HK$93,269
+HK$4,670/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,198/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,146
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,168
−HK$3,070/mo
Today · 4.125%
HK$103,238
baseline
▲ 0.50% · 4.625%
HK$109,520
+HK$6,282/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,476/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,074
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,973
−HK$2,940/mo
Today · 4.125%
HK$113,913
baseline
▲ 0.50% · 4.625%
HK$119,918
+HK$6,005/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,826/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,911 · Scale 2, in force from 26 Feb 2026)