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$53,792
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,465
−HK$1,700/mo
Today · 4.125%
HK$57,165
baseline
▲ 0.50% · 4.625%
HK$60,644
+HK$3,479/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,330/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,843
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,448
−HK$1,628/mo
Today · 4.125%
HK$63,076
baseline
▲ 0.50% · 4.625%
HK$66,401
+HK$3,325/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,152/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,550
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,558
−HK$2,040/mo
Today · 4.125%
HK$68,598
baseline
▲ 0.50% · 4.625%
HK$72,772
+HK$4,174/mo
Deposit HK$9.44M · loan HK$14.15M · min. income ≈ HK$137,196/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,812
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,738
−HK$1,953/mo
Today · 4.125%
HK$75,691
baseline
▲ 0.50% · 4.625%
HK$79,681
+HK$3,990/mo
Deposit HK$9.44M · loan HK$14.15M · min. income ≈ HK$151,382/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,309
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,651
−HK$2,380/mo
Today · 4.125%
HK$80,031
baseline
▲ 0.50% · 4.625%
HK$84,901
+HK$4,870/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$160,062/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,780
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,027
−HK$2,280/mo
Today · 4.125%
HK$88,307
baseline
▲ 0.50% · 4.625%
HK$92,961
+HK$4,654/mo
Deposit HK$7.08M · loan HK$16.51M · min. income ≈ HK$176,614/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,826
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$99,837
−HK$3,060/mo
Today · 4.125%
HK$102,897
baseline
▲ 0.50% · 4.625%
HK$109,159
+HK$6,262/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$205,794/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,718
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,606
−HK$2,931/mo
Today · 4.125%
HK$113,537
baseline
▲ 0.50% · 4.625%
HK$119,522
+HK$5,985/mo
Deposit HK$2.36M · loan HK$21.23M · min. income ≈ HK$227,074/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,590 · Scale 2, in force from 26 Feb 2026)