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$54,052
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,733
−HK$1,708/mo
Today · 4.125%
HK$57,441
baseline
▲ 0.50% · 4.625%
HK$60,937
+HK$3,496/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,882/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,132
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,745
−HK$1,636/mo
Today · 4.125%
HK$63,381
baseline
▲ 0.50% · 4.625%
HK$66,722
+HK$3,341/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,762/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,862
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,880
−HK$2,050/mo
Today · 4.125%
HK$68,930
baseline
▲ 0.50% · 4.625%
HK$73,124
+HK$4,194/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,860/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,159
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,094
−HK$1,963/mo
Today · 4.125%
HK$76,057
baseline
▲ 0.50% · 4.625%
HK$80,066
+HK$4,009/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,114/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,673
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,027
−HK$2,391/mo
Today · 4.125%
HK$80,418
baseline
▲ 0.50% · 4.625%
HK$85,311
+HK$4,893/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,836/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,185
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,443
−HK$2,290/mo
Today · 4.125%
HK$88,733
baseline
▲ 0.50% · 4.625%
HK$93,411
+HK$4,678/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,466/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,293
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,320
−HK$3,075/mo
Today · 4.125%
HK$103,395
baseline
▲ 0.50% · 4.625%
HK$109,686
+HK$6,291/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,790/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,238
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,141
−HK$2,945/mo
Today · 4.125%
HK$114,086
baseline
▲ 0.50% · 4.625%
HK$120,099
+HK$6,013/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,172/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,434 · Scale 2, in force from 26 Feb 2026)