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$53,805
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,479
−HK$1,700/mo
Today · 4.125%
HK$57,179
baseline
▲ 0.50% · 4.625%
HK$60,659
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,358/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,858
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,463
−HK$1,629/mo
Today · 4.125%
HK$63,092
baseline
▲ 0.50% · 4.625%
HK$66,418
+HK$3,326/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,184/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,566
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,575
−HK$2,040/mo
Today · 4.125%
HK$68,615
baseline
▲ 0.50% · 4.625%
HK$72,790
+HK$4,175/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,230/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,830
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,756
−HK$1,954/mo
Today · 4.125%
HK$75,710
baseline
▲ 0.50% · 4.625%
HK$79,701
+HK$3,991/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,420/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,328
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,671
−HK$2,380/mo
Today · 4.125%
HK$80,051
baseline
▲ 0.50% · 4.625%
HK$84,922
+HK$4,871/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,102/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,801
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,049
−HK$2,280/mo
Today · 4.125%
HK$88,329
baseline
▲ 0.50% · 4.625%
HK$92,985
+HK$4,656/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,658/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,850
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,862
−HK$3,061/mo
Today · 4.125%
HK$102,923
baseline
▲ 0.50% · 4.625%
HK$109,186
+HK$6,263/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,846/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,744
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,634
−HK$2,931/mo
Today · 4.125%
HK$113,565
baseline
▲ 0.50% · 4.625%
HK$119,552
+HK$5,987/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,130/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,839 · Scale 2, in force from 26 Feb 2026)