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$68,424
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,552
−HK$2,163/mo
Today · 4.125%
HK$72,715
baseline
▲ 0.50% · 4.625%
HK$77,139
+HK$4,424/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,430/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,121
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,163
−HK$2,071/mo
Today · 4.125%
HK$80,234
baseline
▲ 0.50% · 4.625%
HK$84,463
+HK$4,229/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,468/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,109
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,663
−HK$2,595/mo
Today · 4.125%
HK$87,258
baseline
▲ 0.50% · 4.625%
HK$92,567
+HK$5,309/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,516/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,345
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,795
−HK$2,485/mo
Today · 4.125%
HK$96,280
baseline
▲ 0.50% · 4.625%
HK$101,355
+HK$5,075/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,560/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,794
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,773
−HK$3,028/mo
Today · 4.125%
HK$101,801
baseline
▲ 0.50% · 4.625%
HK$107,995
+HK$6,194/mo
Deposit HK$9.00M · loan HK$21.01M · min. income ≈ HK$203,602/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,570
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,428
−HK$2,899/mo
Today · 4.125%
HK$112,327
baseline
▲ 0.50% · 4.625%
HK$118,248
+HK$5,921/mo
Deposit HK$9.00M · loan HK$21.01M · min. income ≈ HK$224,654/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,163
−HK$7,724/mo
▼ 0.25% · 3.875%
HK$126,994
−HK$3,893/mo
Today · 4.125%
HK$130,887
baseline
▲ 0.50% · 4.625%
HK$138,851
+HK$7,964/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$261,774/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,018
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$140,693
−HK$3,728/mo
Today · 4.125%
HK$144,421
baseline
▲ 0.50% · 4.625%
HK$152,033
+HK$7,612/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$288,842/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,305 · Scale 2, in force from 26 Feb 2026)