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$53,729
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,400
−HK$1,698/mo
Today · 4.125%
HK$57,098
baseline
▲ 0.50% · 4.625%
HK$60,572
+HK$3,474/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,196/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,772
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,376
−HK$1,626/mo
Today · 4.125%
HK$63,002
baseline
▲ 0.50% · 4.625%
HK$66,323
+HK$3,321/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$126,004/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,474
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,480
−HK$2,037/mo
Today · 4.125%
HK$68,517
baseline
▲ 0.50% · 4.625%
HK$72,686
+HK$4,169/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,034/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,727
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,651
−HK$1,951/mo
Today · 4.125%
HK$75,602
baseline
▲ 0.50% · 4.625%
HK$79,587
+HK$3,985/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,204/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,220
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$77,560
−HK$2,377/mo
Today · 4.125%
HK$79,937
baseline
▲ 0.50% · 4.625%
HK$84,801
+HK$4,864/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,874/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,681
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,926
−HK$2,276/mo
Today · 4.125%
HK$88,202
baseline
▲ 0.50% · 4.625%
HK$92,852
+HK$4,650/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,404/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,711
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,720
−HK$3,056/mo
Today · 4.125%
HK$102,776
baseline
▲ 0.50% · 4.625%
HK$109,030
+HK$6,254/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,552/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,590
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$110,476
−HK$2,927/mo
Today · 4.125%
HK$113,403
baseline
▲ 0.50% · 4.625%
HK$119,381
+HK$5,978/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,806/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,407 · Scale 2, in force from 26 Feb 2026)