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$54,179
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,864
−HK$1,712/mo
Today · 4.125%
HK$57,576
baseline
▲ 0.50% · 4.625%
HK$61,080
+HK$3,504/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,152/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,273
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,890
−HK$1,640/mo
Today · 4.125%
HK$63,530
baseline
▲ 0.50% · 4.625%
HK$66,879
+HK$3,349/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,060/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,015
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,037
−HK$2,055/mo
Today · 4.125%
HK$69,092
baseline
▲ 0.50% · 4.625%
HK$73,296
+HK$4,204/mo
Deposit HK$9.50M · loan HK$14.26M · min. income ≈ HK$138,184/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,328
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,268
−HK$1,968/mo
Today · 4.125%
HK$76,236
baseline
▲ 0.50% · 4.625%
HK$80,254
+HK$4,018/mo
Deposit HK$9.50M · loan HK$14.26M · min. income ≈ HK$152,472/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,850
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,210
−HK$2,397/mo
Today · 4.125%
HK$80,607
baseline
▲ 0.50% · 4.625%
HK$85,512
+HK$4,905/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,214/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,383
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,646
−HK$2,296/mo
Today · 4.125%
HK$88,942
baseline
▲ 0.50% · 4.625%
HK$93,630
+HK$4,688/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,884/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,522
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,555
−HK$3,082/mo
Today · 4.125%
HK$103,637
baseline
▲ 0.50% · 4.625%
HK$109,944
+HK$6,307/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,274/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,492
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,402
−HK$2,952/mo
Today · 4.125%
HK$114,354
baseline
▲ 0.50% · 4.625%
HK$120,381
+HK$6,027/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,708/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,800 · Scale 2, in force from 26 Feb 2026)