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$53,736
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,408
−HK$1,698/mo
Today · 4.125%
HK$57,106
baseline
▲ 0.50% · 4.625%
HK$60,581
+HK$3,475/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,212/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,781
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,384
−HK$1,627/mo
Today · 4.125%
HK$63,011
baseline
▲ 0.50% · 4.625%
HK$66,332
+HK$3,321/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$126,022/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,483
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,489
−HK$2,038/mo
Today · 4.125%
HK$68,527
baseline
▲ 0.50% · 4.625%
HK$72,697
+HK$4,170/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,054/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,737
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,661
−HK$1,952/mo
Today · 4.125%
HK$75,613
baseline
▲ 0.50% · 4.625%
HK$79,598
+HK$3,985/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,226/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,230
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,571
−HK$2,377/mo
Today · 4.125%
HK$79,948
baseline
▲ 0.50% · 4.625%
HK$84,813
+HK$4,865/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,896/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,693
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,938
−HK$2,277/mo
Today · 4.125%
HK$88,215
baseline
▲ 0.50% · 4.625%
HK$92,865
+HK$4,650/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,430/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,725
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,734
−HK$3,056/mo
Today · 4.125%
HK$102,790
baseline
▲ 0.50% · 4.625%
HK$109,045
+HK$6,255/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,580/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,605
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,491
−HK$2,928/mo
Today · 4.125%
HK$113,419
baseline
▲ 0.50% · 4.625%
HK$119,398
+HK$5,979/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,838/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,547 · Scale 2, in force from 26 Feb 2026)