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$54,015
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,695
−HK$1,707/mo
Today · 4.125%
HK$57,402
baseline
▲ 0.50% · 4.625%
HK$60,895
+HK$3,493/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,804/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,091
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,703
−HK$1,634/mo
Today · 4.125%
HK$63,337
baseline
▲ 0.50% · 4.625%
HK$66,676
+HK$3,339/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,674/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,818
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,834
−HK$2,048/mo
Today · 4.125%
HK$68,882
baseline
▲ 0.50% · 4.625%
HK$73,074
+HK$4,192/mo
Deposit HK$9.48M · loan HK$14.21M · min. income ≈ HK$137,764/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,109
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,043
−HK$1,962/mo
Today · 4.125%
HK$76,005
baseline
▲ 0.50% · 4.625%
HK$80,011
+HK$4,006/mo
Deposit HK$9.48M · loan HK$14.21M · min. income ≈ HK$152,010/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,621
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$77,973
−HK$2,390/mo
Today · 4.125%
HK$80,363
baseline
▲ 0.50% · 4.625%
HK$85,253
+HK$4,890/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$160,726/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,127
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$86,384
−HK$2,288/mo
Today · 4.125%
HK$88,672
baseline
▲ 0.50% · 4.625%
HK$93,347
+HK$4,675/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$177,344/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,227
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$100,251
−HK$3,073/mo
Today · 4.125%
HK$103,324
baseline
▲ 0.50% · 4.625%
HK$109,611
+HK$6,287/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,648/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,164
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,065
−HK$2,942/mo
Today · 4.125%
HK$114,007
baseline
▲ 0.50% · 4.625%
HK$120,017
+HK$6,010/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$228,014/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,743 · Scale 2, in force from 26 Feb 2026)