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$54,244
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,931
−HK$1,714/mo
Today · 4.125%
HK$57,645
baseline
▲ 0.50% · 4.625%
HK$61,153
+HK$3,508/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,290/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,346
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,964
−HK$1,642/mo
Today · 4.125%
HK$63,606
baseline
▲ 0.50% · 4.625%
HK$66,959
+HK$3,353/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,212/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,092
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,117
−HK$2,057/mo
Today · 4.125%
HK$69,174
baseline
▲ 0.50% · 4.625%
HK$73,383
+HK$4,209/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$138,348/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,415
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,357
−HK$1,970/mo
Today · 4.125%
HK$76,327
baseline
▲ 0.50% · 4.625%
HK$80,350
+HK$4,023/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$152,654/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,941
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,303
−HK$2,400/mo
Today · 4.125%
HK$80,703
baseline
▲ 0.50% · 4.625%
HK$85,614
+HK$4,911/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,406/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,484
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,750
−HK$2,298/mo
Today · 4.125%
HK$89,048
baseline
▲ 0.50% · 4.625%
HK$93,742
+HK$4,694/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,096/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,639
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,676
−HK$3,086/mo
Today · 4.125%
HK$103,762
baseline
▲ 0.50% · 4.625%
HK$110,075
+HK$6,313/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,524/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,622
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,535
−HK$2,956/mo
Today · 4.125%
HK$114,491
baseline
▲ 0.50% · 4.625%
HK$120,526
+HK$6,035/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$228,982/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,009 · Scale 2, in force from 26 Feb 2026)