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$53,661
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,330
−HK$1,696/mo
Today · 4.125%
HK$57,026
baseline
▲ 0.50% · 4.625%
HK$60,496
+HK$3,470/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,052/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,697
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,298
−HK$1,625/mo
Today · 4.125%
HK$62,923
baseline
▲ 0.50% · 4.625%
HK$66,239
+HK$3,316/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,846/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,393
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,396
−HK$2,035/mo
Today · 4.125%
HK$68,431
baseline
▲ 0.50% · 4.625%
HK$72,595
+HK$4,164/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$136,862/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,000,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,637
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,558
−HK$1,949/mo
Today · 4.125%
HK$75,507
baseline
▲ 0.50% · 4.625%
HK$79,487
+HK$3,980/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$151,014/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,000,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,125
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,462
−HK$2,374/mo
Today · 4.125%
HK$79,836
baseline
▲ 0.50% · 4.625%
HK$84,694
+HK$4,858/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$159,672/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,576
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,818
−HK$2,274/mo
Today · 4.125%
HK$88,092
baseline
▲ 0.50% · 4.625%
HK$92,735
+HK$4,643/mo
Deposit HK$7.06M · loan HK$16.47M · min. income ≈ HK$176,184/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,590
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$99,594
−HK$3,053/mo
Today · 4.125%
HK$102,647
baseline
▲ 0.50% · 4.625%
HK$108,893
+HK$6,246/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$205,294/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,455
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,337
−HK$2,924/mo
Today · 4.125%
HK$113,261
baseline
▲ 0.50% · 4.625%
HK$119,231
+HK$5,970/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$226,522/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,148 · Scale 2, in force from 26 Feb 2026)