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$53,911
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,588
−HK$1,704/mo
Today · 4.125%
HK$57,292
baseline
▲ 0.50% · 4.625%
HK$60,778
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,584/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,976
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,584
−HK$1,632/mo
Today · 4.125%
HK$63,216
baseline
▲ 0.50% · 4.625%
HK$66,548
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,432/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,694
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,706
−HK$2,044/mo
Today · 4.125%
HK$68,750
baseline
▲ 0.50% · 4.625%
HK$72,934
+HK$4,184/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,500/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,971
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,901
−HK$1,958/mo
Today · 4.125%
HK$75,859
baseline
▲ 0.50% · 4.625%
HK$79,858
+HK$3,999/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,718/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,476
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,824
−HK$2,385/mo
Today · 4.125%
HK$80,209
baseline
▲ 0.50% · 4.625%
HK$85,089
+HK$4,880/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,418/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,966
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,218
−HK$2,285/mo
Today · 4.125%
HK$88,503
baseline
▲ 0.50% · 4.625%
HK$93,168
+HK$4,665/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,006/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,040
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,059
−HK$3,067/mo
Today · 4.125%
HK$103,126
baseline
▲ 0.50% · 4.625%
HK$109,401
+HK$6,275/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,252/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,956
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,852
−HK$2,937/mo
Today · 4.125%
HK$113,789
baseline
▲ 0.50% · 4.625%
HK$119,787
+HK$5,998/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,578/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,814 · Scale 2, in force from 26 Feb 2026)