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$54,017
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,697
−HK$1,707/mo
Today · 4.125%
HK$57,404
baseline
▲ 0.50% · 4.625%
HK$60,897
+HK$3,493/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$114,808/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,093
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,705
−HK$1,634/mo
Today · 4.125%
HK$63,339
baseline
▲ 0.50% · 4.625%
HK$66,678
+HK$3,339/mo
Deposit HK$11.84M · loan HK$11.84M · min. income ≈ HK$126,678/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,820
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,836
−HK$2,049/mo
Today · 4.125%
HK$68,885
baseline
▲ 0.50% · 4.625%
HK$73,076
+HK$4,191/mo
Deposit HK$9.48M · loan HK$14.21M · min. income ≈ HK$137,770/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,111
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,045
−HK$1,962/mo
Today · 4.125%
HK$76,007
baseline
▲ 0.50% · 4.625%
HK$80,014
+HK$4,007/mo
Deposit HK$9.48M · loan HK$14.21M · min. income ≈ HK$152,014/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,623
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$77,975
−HK$2,390/mo
Today · 4.125%
HK$80,365
baseline
▲ 0.50% · 4.625%
HK$85,255
+HK$4,890/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$160,730/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,130
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$86,386
−HK$2,289/mo
Today · 4.125%
HK$88,675
baseline
▲ 0.50% · 4.625%
HK$93,349
+HK$4,674/mo
Deposit HK$7.11M · loan HK$16.58M · min. income ≈ HK$177,350/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,230
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$100,254
−HK$3,073/mo
Today · 4.125%
HK$103,327
baseline
▲ 0.50% · 4.625%
HK$109,614
+HK$6,287/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,654/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,167
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$111,068
−HK$2,943/mo
Today · 4.125%
HK$114,011
baseline
▲ 0.50% · 4.625%
HK$120,021
+HK$6,010/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$228,022/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,774 · Scale 2, in force from 26 Feb 2026)