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$53,852
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,527
−HK$1,702/mo
Today · 4.125%
HK$57,229
baseline
▲ 0.50% · 4.625%
HK$60,711
+HK$3,482/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,458/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,910
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,517
−HK$1,630/mo
Today · 4.125%
HK$63,147
baseline
▲ 0.50% · 4.625%
HK$66,475
+HK$3,328/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,294/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,623
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,633
−HK$2,042/mo
Today · 4.125%
HK$68,675
baseline
▲ 0.50% · 4.625%
HK$72,854
+HK$4,179/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,350/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,892
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,820
−HK$1,956/mo
Today · 4.125%
HK$75,776
baseline
▲ 0.50% · 4.625%
HK$79,770
+HK$3,994/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,552/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,393
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,738
−HK$2,383/mo
Today · 4.125%
HK$80,121
baseline
▲ 0.50% · 4.625%
HK$84,996
+HK$4,875/mo
Deposit HK$7.09M · loan HK$16.53M · min. income ≈ HK$160,242/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,874
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,123
−HK$2,282/mo
Today · 4.125%
HK$88,405
baseline
▲ 0.50% · 4.625%
HK$93,065
+HK$4,660/mo
Deposit HK$7.09M · loan HK$16.53M · min. income ≈ HK$176,810/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,934
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,949
−HK$3,063/mo
Today · 4.125%
HK$103,012
baseline
▲ 0.50% · 4.625%
HK$109,281
+HK$6,269/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,024/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,838
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,730
−HK$2,934/mo
Today · 4.125%
HK$113,664
baseline
▲ 0.50% · 4.625%
HK$119,656
+HK$5,992/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,328/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,711 · Scale 2, in force from 26 Feb 2026)