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$54,077
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,759
−HK$1,709/mo
Today · 4.125%
HK$57,468
baseline
▲ 0.50% · 4.625%
HK$60,965
+HK$3,497/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$114,936/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,007,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,160
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,773
−HK$1,637/mo
Today · 4.125%
HK$63,410
baseline
▲ 0.50% · 4.625%
HK$66,753
+HK$3,343/mo
Deposit HK$11.86M · loan HK$11.86M · min. income ≈ HK$126,820/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,007,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,892
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,911
−HK$2,050/mo
Today · 4.125%
HK$68,961
baseline
▲ 0.50% · 4.625%
HK$73,158
+HK$4,197/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$137,922/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,192
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,128
−HK$1,964/mo
Today · 4.125%
HK$76,092
baseline
▲ 0.50% · 4.625%
HK$80,103
+HK$4,011/mo
Deposit HK$9.49M · loan HK$14.23M · min. income ≈ HK$152,184/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,707
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,062
−HK$2,393/mo
Today · 4.125%
HK$80,455
baseline
▲ 0.50% · 4.625%
HK$85,350
+HK$4,895/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$160,910/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,224
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,483
−HK$2,291/mo
Today · 4.125%
HK$88,774
baseline
▲ 0.50% · 4.625%
HK$93,454
+HK$4,680/mo
Deposit HK$7.11M · loan HK$16.60M · min. income ≈ HK$177,548/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,338
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,366
−HK$3,076/mo
Today · 4.125%
HK$103,442
baseline
▲ 0.50% · 4.625%
HK$109,736
+HK$6,294/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$206,884/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,288
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$111,192
−HK$2,946/mo
Today · 4.125%
HK$114,138
baseline
▲ 0.50% · 4.625%
HK$120,155
+HK$6,017/mo
Deposit HK$2.37M · loan HK$21.34M · min. income ≈ HK$228,276/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,897 · Scale 2, in force from 26 Feb 2026)