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$53,837
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,511
−HK$1,702/mo
Today · 4.125%
HK$57,213
baseline
▲ 0.50% · 4.625%
HK$60,694
+HK$3,481/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,426/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,893
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,499
−HK$1,630/mo
Today · 4.125%
HK$63,129
baseline
▲ 0.50% · 4.625%
HK$66,456
+HK$3,327/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,258/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,604
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,614
−HK$2,041/mo
Today · 4.125%
HK$68,655
baseline
▲ 0.50% · 4.625%
HK$72,833
+HK$4,178/mo
Deposit HK$9.44M · loan HK$14.17M · min. income ≈ HK$137,310/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,871
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,799
−HK$1,955/mo
Today · 4.125%
HK$75,754
baseline
▲ 0.50% · 4.625%
HK$79,747
+HK$3,993/mo
Deposit HK$9.44M · loan HK$14.17M · min. income ≈ HK$151,508/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,371
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,716
−HK$2,382/mo
Today · 4.125%
HK$80,098
baseline
▲ 0.50% · 4.625%
HK$84,972
+HK$4,874/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$160,196/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,850
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,099
−HK$2,281/mo
Today · 4.125%
HK$88,380
baseline
▲ 0.50% · 4.625%
HK$93,039
+HK$4,659/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$176,760/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,906
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,920
−HK$3,063/mo
Today · 4.125%
HK$102,983
baseline
▲ 0.50% · 4.625%
HK$109,249
+HK$6,266/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$205,966/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,807
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,698
−HK$2,933/mo
Today · 4.125%
HK$113,631
baseline
▲ 0.50% · 4.625%
HK$119,621
+HK$5,990/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,262/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,422 · Scale 2, in force from 26 Feb 2026)