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$53,975
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,654
−HK$1,706/mo
Today · 4.125%
HK$57,360
baseline
▲ 0.50% · 4.625%
HK$60,850
+HK$3,490/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,720/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,047
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,657
−HK$1,634/mo
Today · 4.125%
HK$63,291
baseline
▲ 0.50% · 4.625%
HK$66,627
+HK$3,336/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,582/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,006,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,770
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,785
−HK$2,047/mo
Today · 4.125%
HK$68,832
baseline
▲ 0.50% · 4.625%
HK$73,020
+HK$4,188/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,664/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,006,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,056
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,989
−HK$1,960/mo
Today · 4.125%
HK$75,949
baseline
▲ 0.50% · 4.625%
HK$79,952
+HK$4,003/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,898/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,006,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,565
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,916
−HK$2,388/mo
Today · 4.125%
HK$80,304
baseline
▲ 0.50% · 4.625%
HK$85,190
+HK$4,886/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,608/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,065
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,320
−HK$2,287/mo
Today · 4.125%
HK$88,607
baseline
▲ 0.50% · 4.625%
HK$93,278
+HK$4,671/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,214/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,155
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,177
−HK$3,071/mo
Today · 4.125%
HK$103,248
baseline
▲ 0.50% · 4.625%
HK$109,530
+HK$6,282/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,496/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,084
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$110,983
−HK$2,941/mo
Today · 4.125%
HK$113,924
baseline
▲ 0.50% · 4.625%
HK$119,929
+HK$6,005/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,848/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,006,002 · Scale 2, in force from 26 Feb 2026)