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$54,388
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,080
−HK$1,719/mo
Today · 4.125%
HK$57,799
baseline
▲ 0.50% · 4.625%
HK$61,316
+HK$3,517/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,598/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,506
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,129
−HK$1,646/mo
Today · 4.125%
HK$63,775
baseline
▲ 0.50% · 4.625%
HK$67,137
+HK$3,362/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,550/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,266
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,296
−HK$2,062/mo
Today · 4.125%
HK$69,358
baseline
▲ 0.50% · 4.625%
HK$73,579
+HK$4,221/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,716/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,607
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,555
−HK$1,975/mo
Today · 4.125%
HK$76,530
baseline
▲ 0.50% · 4.625%
HK$80,564
+HK$4,034/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,060/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,143
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,512
−HK$2,406/mo
Today · 4.125%
HK$80,918
baseline
▲ 0.50% · 4.625%
HK$85,842
+HK$4,924/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,836/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,709
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,981
−HK$2,304/mo
Today · 4.125%
HK$89,285
baseline
▲ 0.50% · 4.625%
HK$93,992
+HK$4,707/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,570/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,899
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,944
−HK$3,094/mo
Today · 4.125%
HK$104,038
baseline
▲ 0.50% · 4.625%
HK$110,368
+HK$6,330/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,076/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,911
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,832
−HK$2,963/mo
Today · 4.125%
HK$114,795
baseline
▲ 0.50% · 4.625%
HK$120,846
+HK$6,051/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,590/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,699 · Scale 2, in force from 26 Feb 2026)