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$54,124
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,807
−HK$1,711/mo
Today · 4.125%
HK$57,518
baseline
▲ 0.50% · 4.625%
HK$61,017
+HK$3,499/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,036/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,212
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,827
−HK$1,638/mo
Today · 4.125%
HK$63,465
baseline
▲ 0.50% · 4.625%
HK$66,810
+HK$3,345/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,930/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,948
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,968
−HK$2,053/mo
Today · 4.125%
HK$69,021
baseline
▲ 0.50% · 4.625%
HK$73,221
+HK$4,200/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$138,042/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,254
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,192
−HK$1,966/mo
Today · 4.125%
HK$76,158
baseline
▲ 0.50% · 4.625%
HK$80,172
+HK$4,014/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,316/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,773
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,130
−HK$2,395/mo
Today · 4.125%
HK$80,525
baseline
▲ 0.50% · 4.625%
HK$85,424
+HK$4,899/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$161,050/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,297
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,557
−HK$2,294/mo
Today · 4.125%
HK$88,851
baseline
▲ 0.50% · 4.625%
HK$93,534
+HK$4,683/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,702/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,422
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,453
−HK$3,079/mo
Today · 4.125%
HK$103,532
baseline
▲ 0.50% · 4.625%
HK$109,831
+HK$6,299/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,064/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,381
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,288
−HK$2,949/mo
Today · 4.125%
HK$114,237
baseline
▲ 0.50% · 4.625%
HK$120,258
+HK$6,021/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,474/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,768 · Scale 2, in force from 26 Feb 2026)