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$54,640
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,339
−HK$1,727/mo
Today · 4.125%
HK$58,066
baseline
▲ 0.50% · 4.625%
HK$61,599
+HK$3,533/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,132/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,786
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,416
−HK$1,654/mo
Today · 4.125%
HK$64,070
baseline
▲ 0.50% · 4.625%
HK$67,447
+HK$3,377/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,140/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,568
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,607
−HK$2,072/mo
Today · 4.125%
HK$69,679
baseline
▲ 0.50% · 4.625%
HK$73,919
+HK$4,240/mo
Deposit HK$9.58M · loan HK$14.38M · min. income ≈ HK$139,358/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,943
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,899
−HK$1,985/mo
Today · 4.125%
HK$76,884
baseline
▲ 0.50% · 4.625%
HK$80,937
+HK$4,053/mo
Deposit HK$9.58M · loan HK$14.38M · min. income ≈ HK$153,768/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,495
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,875
−HK$2,417/mo
Today · 4.125%
HK$81,292
baseline
▲ 0.50% · 4.625%
HK$86,239
+HK$4,947/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,584/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,100
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,383
−HK$2,315/mo
Today · 4.125%
HK$89,698
baseline
▲ 0.50% · 4.625%
HK$94,426
+HK$4,728/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,396/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,351
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,411
−HK$3,108/mo
Today · 4.125%
HK$104,519
baseline
▲ 0.50% · 4.625%
HK$110,878
+HK$6,359/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,038/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,415
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$112,349
−HK$2,977/mo
Today · 4.125%
HK$115,326
baseline
▲ 0.50% · 4.625%
HK$121,405
+HK$6,079/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,652/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,387 · Scale 2, in force from 26 Feb 2026)