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$54,361
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,052
−HK$1,718/mo
Today · 4.125%
HK$57,770
baseline
▲ 0.50% · 4.625%
HK$61,285
+HK$3,515/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,540/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,476
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,098
−HK$1,646/mo
Today · 4.125%
HK$63,744
baseline
▲ 0.50% · 4.625%
HK$67,104
+HK$3,360/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,488/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,234
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,263
−HK$2,061/mo
Today · 4.125%
HK$69,324
baseline
▲ 0.50% · 4.625%
HK$73,543
+HK$4,219/mo
Deposit HK$9.54M · loan HK$14.30M · min. income ≈ HK$138,648/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,572
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,518
−HK$1,975/mo
Today · 4.125%
HK$76,493
baseline
▲ 0.50% · 4.625%
HK$80,525
+HK$4,032/mo
Deposit HK$9.54M · loan HK$14.30M · min. income ≈ HK$152,986/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,106
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,473
−HK$2,405/mo
Today · 4.125%
HK$80,878
baseline
▲ 0.50% · 4.625%
HK$85,800
+HK$4,922/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,756/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,667
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,938
−HK$2,303/mo
Today · 4.125%
HK$89,241
baseline
▲ 0.50% · 4.625%
HK$93,945
+HK$4,704/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,482/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,850
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,894
−HK$3,093/mo
Today · 4.125%
HK$103,987
baseline
▲ 0.50% · 4.625%
HK$110,314
+HK$6,327/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$207,974/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,858
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,777
−HK$2,962/mo
Today · 4.125%
HK$114,739
baseline
▲ 0.50% · 4.625%
HK$120,787
+HK$6,048/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$229,478/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,201 · Scale 2, in force from 26 Feb 2026)