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$53,968
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,646
−HK$1,706/mo
Today · 4.125%
HK$57,352
baseline
▲ 0.50% · 4.625%
HK$60,842
+HK$3,490/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,704/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,039
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,649
−HK$1,633/mo
Today · 4.125%
HK$63,282
baseline
▲ 0.50% · 4.625%
HK$66,618
+HK$3,336/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,564/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,761
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,776
−HK$2,046/mo
Today · 4.125%
HK$68,822
baseline
▲ 0.50% · 4.625%
HK$73,010
+HK$4,188/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,644/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,046
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,978
−HK$1,961/mo
Today · 4.125%
HK$75,939
baseline
▲ 0.50% · 4.625%
HK$79,942
+HK$4,003/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,878/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,555
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,905
−HK$2,388/mo
Today · 4.125%
HK$80,293
baseline
▲ 0.50% · 4.625%
HK$85,178
+HK$4,885/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,586/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,054
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,308
−HK$2,287/mo
Today · 4.125%
HK$88,595
baseline
▲ 0.50% · 4.625%
HK$93,265
+HK$4,670/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,190/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,142
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,164
−HK$3,070/mo
Today · 4.125%
HK$103,234
baseline
▲ 0.50% · 4.625%
HK$109,515
+HK$6,281/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,468/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,069
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,968
−HK$2,940/mo
Today · 4.125%
HK$113,908
baseline
▲ 0.50% · 4.625%
HK$119,912
+HK$6,004/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,816/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,864 · Scale 2, in force from 26 Feb 2026)