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$54,062
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,744
−HK$1,708/mo
Today · 4.125%
HK$57,452
baseline
▲ 0.50% · 4.625%
HK$60,948
+HK$3,496/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,904/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,144
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,757
−HK$1,636/mo
Today · 4.125%
HK$63,393
baseline
▲ 0.50% · 4.625%
HK$66,735
+HK$3,342/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,786/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,875
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,893
−HK$2,050/mo
Today · 4.125%
HK$68,943
baseline
▲ 0.50% · 4.625%
HK$73,138
+HK$4,195/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$137,886/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,173
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,108
−HK$1,964/mo
Today · 4.125%
HK$76,072
baseline
▲ 0.50% · 4.625%
HK$80,082
+HK$4,010/mo
Deposit HK$9.48M · loan HK$14.23M · min. income ≈ HK$152,144/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,687
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,042
−HK$2,391/mo
Today · 4.125%
HK$80,433
baseline
▲ 0.50% · 4.625%
HK$85,328
+HK$4,895/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,866/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,201
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,460
−HK$2,290/mo
Today · 4.125%
HK$88,750
baseline
▲ 0.50% · 4.625%
HK$93,429
+HK$4,679/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,500/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,312
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,339
−HK$3,075/mo
Today · 4.125%
HK$103,414
baseline
▲ 0.50% · 4.625%
HK$109,707
+HK$6,293/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,828/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,259
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,162
−HK$2,946/mo
Today · 4.125%
HK$114,108
baseline
▲ 0.50% · 4.625%
HK$120,122
+HK$6,014/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,216/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,628 · Scale 2, in force from 26 Feb 2026)