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$54,028
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,709
−HK$1,707/mo
Today · 4.125%
HK$57,416
baseline
▲ 0.50% · 4.625%
HK$60,910
+HK$3,494/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,832/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,106
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,718
−HK$1,635/mo
Today · 4.125%
HK$63,353
baseline
▲ 0.50% · 4.625%
HK$66,693
+HK$3,340/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,706/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,834
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,851
−HK$2,049/mo
Today · 4.125%
HK$68,900
baseline
▲ 0.50% · 4.625%
HK$73,092
+HK$4,192/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,800/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,127
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,061
−HK$1,963/mo
Today · 4.125%
HK$76,024
baseline
▲ 0.50% · 4.625%
HK$80,031
+HK$4,007/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,048/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,640
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,992
−HK$2,391/mo
Today · 4.125%
HK$80,383
baseline
▲ 0.50% · 4.625%
HK$85,274
+HK$4,891/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,766/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,006,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,148
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,405
−HK$2,290/mo
Today · 4.125%
HK$88,695
baseline
▲ 0.50% · 4.625%
HK$93,370
+HK$4,675/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,390/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,006,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,251
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,276
−HK$3,073/mo
Today · 4.125%
HK$103,349
baseline
▲ 0.50% · 4.625%
HK$109,638
+HK$6,289/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,698/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,191
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,092
−HK$2,944/mo
Today · 4.125%
HK$114,036
baseline
▲ 0.50% · 4.625%
HK$120,047
+HK$6,011/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$228,072/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,993 · Scale 2, in force from 26 Feb 2026)