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$54,118
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,802
−HK$1,710/mo
Today · 4.125%
HK$57,512
baseline
▲ 0.50% · 4.625%
HK$61,012
+HK$3,500/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,024/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,206
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,821
−HK$1,638/mo
Today · 4.125%
HK$63,459
baseline
▲ 0.50% · 4.625%
HK$66,804
+HK$3,345/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,918/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,942
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,962
−HK$2,053/mo
Today · 4.125%
HK$69,015
baseline
▲ 0.50% · 4.625%
HK$73,214
+HK$4,199/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$138,030/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,247
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,185
−HK$1,966/mo
Today · 4.125%
HK$76,151
baseline
▲ 0.50% · 4.625%
HK$80,165
+HK$4,014/mo
Deposit HK$9.49M · loan HK$14.24M · min. income ≈ HK$152,302/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,766
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,123
−HK$2,394/mo
Today · 4.125%
HK$80,517
baseline
▲ 0.50% · 4.625%
HK$85,416
+HK$4,899/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$161,034/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,289
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,549
−HK$2,294/mo
Today · 4.125%
HK$88,843
baseline
▲ 0.50% · 4.625%
HK$93,526
+HK$4,683/mo
Deposit HK$7.12M · loan HK$16.61M · min. income ≈ HK$177,686/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,413
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,443
−HK$3,079/mo
Today · 4.125%
HK$103,522
baseline
▲ 0.50% · 4.625%
HK$109,821
+HK$6,299/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,044/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,371
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$111,278
−HK$2,948/mo
Today · 4.125%
HK$114,226
baseline
▲ 0.50% · 4.625%
HK$120,247
+HK$6,021/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,452/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,674 · Scale 2, in force from 26 Feb 2026)