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$54,036
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,717
−HK$1,708/mo
Today · 4.125%
HK$57,425
baseline
▲ 0.50% · 4.625%
HK$60,919
+HK$3,494/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,850/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,115
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,727
−HK$1,636/mo
Today · 4.125%
HK$63,363
baseline
▲ 0.50% · 4.625%
HK$66,703
+HK$3,340/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,726/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,844
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,861
−HK$2,049/mo
Today · 4.125%
HK$68,910
baseline
▲ 0.50% · 4.625%
HK$73,103
+HK$4,193/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,820/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,138
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,073
−HK$1,962/mo
Today · 4.125%
HK$76,035
baseline
▲ 0.50% · 4.625%
HK$80,043
+HK$4,008/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,070/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,651
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,004
−HK$2,391/mo
Today · 4.125%
HK$80,395
baseline
▲ 0.50% · 4.625%
HK$85,287
+HK$4,892/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,790/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,161
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,418
−HK$2,290/mo
Today · 4.125%
HK$88,708
baseline
▲ 0.50% · 4.625%
HK$93,384
+HK$4,676/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,416/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,266
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,291
−HK$3,074/mo
Today · 4.125%
HK$103,365
baseline
▲ 0.50% · 4.625%
HK$109,654
+HK$6,289/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,730/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,207
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,109
−HK$2,944/mo
Today · 4.125%
HK$114,053
baseline
▲ 0.50% · 4.625%
HK$120,065
+HK$6,012/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,106/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,145 · Scale 2, in force from 26 Feb 2026)