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$53,701
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,372
−HK$1,697/mo
Today · 4.125%
HK$57,069
baseline
▲ 0.50% · 4.625%
HK$60,541
+HK$3,472/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,138/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,000,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,742
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,345
−HK$1,625/mo
Today · 4.125%
HK$62,970
baseline
▲ 0.50% · 4.625%
HK$66,289
+HK$3,319/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$125,940/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,000,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,442
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,446
−HK$2,037/mo
Today · 4.125%
HK$68,483
baseline
▲ 0.50% · 4.625%
HK$72,650
+HK$4,167/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,966/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,691
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,613
−HK$1,951/mo
Today · 4.125%
HK$75,564
baseline
▲ 0.50% · 4.625%
HK$79,547
+HK$3,983/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,128/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,182
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,521
−HK$2,376/mo
Today · 4.125%
HK$79,897
baseline
▲ 0.50% · 4.625%
HK$84,758
+HK$4,861/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,794/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,000,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,639
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,882
−HK$2,276/mo
Today · 4.125%
HK$88,158
baseline
▲ 0.50% · 4.625%
HK$92,805
+HK$4,647/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,316/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,000,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,663
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,669
−HK$3,055/mo
Today · 4.125%
HK$102,724
baseline
▲ 0.50% · 4.625%
HK$108,975
+HK$6,251/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$205,448/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,536
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$110,420
−HK$2,926/mo
Today · 4.125%
HK$113,346
baseline
▲ 0.50% · 4.625%
HK$119,321
+HK$5,975/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$226,692/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,901 · Scale 2, in force from 26 Feb 2026)