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$54,043
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,724
−HK$1,708/mo
Today · 4.125%
HK$57,432
baseline
▲ 0.50% · 4.625%
HK$60,926
+HK$3,494/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,864/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,122
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,735
−HK$1,635/mo
Today · 4.125%
HK$63,370
baseline
▲ 0.50% · 4.625%
HK$66,711
+HK$3,341/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,740/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,851
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,869
−HK$2,049/mo
Today · 4.125%
HK$68,918
baseline
▲ 0.50% · 4.625%
HK$73,112
+HK$4,194/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,836/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,147
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,081
−HK$1,963/mo
Today · 4.125%
HK$76,044
baseline
▲ 0.50% · 4.625%
HK$80,053
+HK$4,009/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,088/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,660
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,013
−HK$2,391/mo
Today · 4.125%
HK$80,404
baseline
▲ 0.50% · 4.625%
HK$85,297
+HK$4,893/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,808/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,171
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,428
−HK$2,290/mo
Today · 4.125%
HK$88,718
baseline
▲ 0.50% · 4.625%
HK$93,395
+HK$4,677/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,436/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,277
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$100,303
−HK$3,074/mo
Today · 4.125%
HK$103,377
baseline
▲ 0.50% · 4.625%
HK$109,667
+HK$6,290/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,754/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,220
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,122
−HK$2,945/mo
Today · 4.125%
HK$114,067
baseline
▲ 0.50% · 4.625%
HK$120,079
+HK$6,012/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,134/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,264 · Scale 2, in force from 26 Feb 2026)