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$54,093
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,776
−HK$1,709/mo
Today · 4.125%
HK$57,485
baseline
▲ 0.50% · 4.625%
HK$60,983
+HK$3,498/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,970/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,178
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,792
−HK$1,637/mo
Today · 4.125%
HK$63,429
baseline
▲ 0.50% · 4.625%
HK$66,773
+HK$3,344/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,858/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,008,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,912
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,931
−HK$2,051/mo
Today · 4.125%
HK$68,982
baseline
▲ 0.50% · 4.625%
HK$73,180
+HK$4,198/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,964/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,214
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,150
−HK$1,965/mo
Today · 4.125%
HK$76,115
baseline
▲ 0.50% · 4.625%
HK$80,127
+HK$4,012/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,230/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,730
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,086
−HK$2,393/mo
Today · 4.125%
HK$80,479
baseline
▲ 0.50% · 4.625%
HK$85,376
+HK$4,897/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$160,958/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,008,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,249
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,509
−HK$2,292/mo
Today · 4.125%
HK$88,801
baseline
▲ 0.50% · 4.625%
HK$93,482
+HK$4,681/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,602/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,008,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,368
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,396
−HK$3,077/mo
Today · 4.125%
HK$103,473
baseline
▲ 0.50% · 4.625%
HK$109,769
+HK$6,296/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$206,946/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,320
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,226
−HK$2,947/mo
Today · 4.125%
HK$114,173
baseline
▲ 0.50% · 4.625%
HK$120,191
+HK$6,018/mo
Deposit HK$2.37M · loan HK$21.35M · min. income ≈ HK$228,346/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,201 · Scale 2, in force from 26 Feb 2026)