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$54,165
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,850
−HK$1,712/mo
Today · 4.125%
HK$57,562
baseline
▲ 0.50% · 4.625%
HK$61,064
+HK$3,502/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,124/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,258
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,874
−HK$1,640/mo
Today · 4.125%
HK$63,514
baseline
▲ 0.50% · 4.625%
HK$66,862
+HK$3,348/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,028/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,998
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,020
−HK$2,054/mo
Today · 4.125%
HK$69,074
baseline
▲ 0.50% · 4.625%
HK$73,277
+HK$4,203/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,148/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,310
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,249
−HK$1,968/mo
Today · 4.125%
HK$76,217
baseline
▲ 0.50% · 4.625%
HK$80,234
+HK$4,017/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,434/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,831
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,190
−HK$2,397/mo
Today · 4.125%
HK$80,587
baseline
▲ 0.50% · 4.625%
HK$85,490
+HK$4,903/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,174/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,362
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,624
−HK$2,296/mo
Today · 4.125%
HK$88,920
baseline
▲ 0.50% · 4.625%
HK$93,607
+HK$4,687/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,840/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,498
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,530
−HK$3,082/mo
Today · 4.125%
HK$103,612
baseline
▲ 0.50% · 4.625%
HK$109,916
+HK$6,304/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,224/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,465
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,374
−HK$2,951/mo
Today · 4.125%
HK$114,325
baseline
▲ 0.50% · 4.625%
HK$120,351
+HK$6,026/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,650/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,009,548 · Scale 2, in force from 26 Feb 2026)