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$57,012
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,785
−HK$1,802/mo
Today · 4.125%
HK$60,587
baseline
▲ 0.50% · 4.625%
HK$64,273
+HK$3,686/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,174/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,425
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,126
−HK$1,725/mo
Today · 4.125%
HK$66,851
baseline
▲ 0.50% · 4.625%
HK$70,375
+HK$3,524/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,702/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,414
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,542
−HK$2,162/mo
Today · 4.125%
HK$72,704
baseline
▲ 0.50% · 4.625%
HK$77,128
+HK$4,424/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,408/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,110
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,151
−HK$2,071/mo
Today · 4.125%
HK$80,222
baseline
▲ 0.50% · 4.625%
HK$84,450
+HK$4,228/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,444/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,816
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,299
−HK$2,522/mo
Today · 4.125%
HK$84,821
baseline
▲ 0.50% · 4.625%
HK$89,983
+HK$5,162/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,642/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,795
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,176
−HK$2,416/mo
Today · 4.125%
HK$93,592
baseline
▲ 0.50% · 4.625%
HK$98,525
+HK$4,933/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,184/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,621
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,813
−HK$3,243/mo
Today · 4.125%
HK$109,056
baseline
▲ 0.50% · 4.625%
HK$115,692
+HK$6,636/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$218,112/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,165
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,226
−HK$3,107/mo
Today · 4.125%
HK$120,333
baseline
▲ 0.50% · 4.625%
HK$126,676
+HK$6,343/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$240,666/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,597 · Scale 2, in force from 26 Feb 2026)