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$53,696
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,366
−HK$1,697/mo
Today · 4.125%
HK$57,063
baseline
▲ 0.50% · 4.625%
HK$60,535
+HK$3,472/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,126/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,736
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,338
−HK$1,625/mo
Today · 4.125%
HK$62,963
baseline
▲ 0.50% · 4.625%
HK$66,282
+HK$3,319/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,926/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,435
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,439
−HK$2,037/mo
Today · 4.125%
HK$68,476
baseline
▲ 0.50% · 4.625%
HK$72,642
+HK$4,166/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,952/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,683
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,606
−HK$1,950/mo
Today · 4.125%
HK$75,556
baseline
▲ 0.50% · 4.625%
HK$79,539
+HK$3,983/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,112/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,174
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,513
−HK$2,375/mo
Today · 4.125%
HK$79,888
baseline
▲ 0.50% · 4.625%
HK$84,749
+HK$4,861/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,776/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,000,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,631
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$85,873
−HK$2,276/mo
Today · 4.125%
HK$88,149
baseline
▲ 0.50% · 4.625%
HK$92,795
+HK$4,646/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,298/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,000,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,652
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,659
−HK$3,054/mo
Today · 4.125%
HK$102,713
baseline
▲ 0.50% · 4.625%
HK$108,963
+HK$6,250/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$205,426/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,525
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$110,409
−HK$2,925/mo
Today · 4.125%
HK$113,334
baseline
▲ 0.50% · 4.625%
HK$119,308
+HK$5,974/mo
Deposit HK$2.35M · loan HK$21.19M · min. income ≈ HK$226,668/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,000,797 · Scale 2, in force from 26 Feb 2026)