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$54,173
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,858
−HK$1,712/mo
Today · 4.125%
HK$57,570
baseline
▲ 0.50% · 4.625%
HK$61,073
+HK$3,503/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,140/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,267
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,883
−HK$1,640/mo
Today · 4.125%
HK$63,523
baseline
▲ 0.50% · 4.625%
HK$66,871
+HK$3,348/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,046/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,007
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,030
−HK$2,054/mo
Today · 4.125%
HK$69,084
baseline
▲ 0.50% · 4.625%
HK$73,288
+HK$4,204/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$138,168/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,320
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,260
−HK$1,967/mo
Today · 4.125%
HK$76,227
baseline
▲ 0.50% · 4.625%
HK$80,245
+HK$4,018/mo
Deposit HK$9.50M · loan HK$14.25M · min. income ≈ HK$152,454/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,842
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,201
−HK$2,397/mo
Today · 4.125%
HK$80,598
baseline
▲ 0.50% · 4.625%
HK$85,502
+HK$4,904/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,196/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,373
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,636
−HK$2,296/mo
Today · 4.125%
HK$88,932
baseline
▲ 0.50% · 4.625%
HK$93,620
+HK$4,688/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,864/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,511
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,544
−HK$3,082/mo
Today · 4.125%
HK$103,626
baseline
▲ 0.50% · 4.625%
HK$109,931
+HK$6,305/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,252/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,480
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,390
−HK$2,951/mo
Today · 4.125%
HK$114,341
baseline
▲ 0.50% · 4.625%
HK$120,368
+HK$6,027/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,682/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,688 · Scale 2, in force from 26 Feb 2026)