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$68,422
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,550
−HK$2,162/mo
Today · 4.125%
HK$72,712
baseline
▲ 0.50% · 4.625%
HK$77,137
+HK$4,425/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,424/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,118
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,160
−HK$2,071/mo
Today · 4.125%
HK$80,231
baseline
▲ 0.50% · 4.625%
HK$84,460
+HK$4,229/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,462/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,106
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,660
−HK$2,595/mo
Today · 4.125%
HK$87,255
baseline
▲ 0.50% · 4.625%
HK$92,564
+HK$5,309/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,510/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,342
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,792
−HK$2,485/mo
Today · 4.125%
HK$96,277
baseline
▲ 0.50% · 4.625%
HK$101,352
+HK$5,075/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,554/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,790
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,770
−HK$3,027/mo
Today · 4.125%
HK$101,797
baseline
▲ 0.50% · 4.625%
HK$107,991
+HK$6,194/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$203,594/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,566
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,424
−HK$2,899/mo
Today · 4.125%
HK$112,323
baseline
▲ 0.50% · 4.625%
HK$118,244
+HK$5,921/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$224,646/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,159
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$126,990
−HK$3,892/mo
Today · 4.125%
HK$130,882
baseline
▲ 0.50% · 4.625%
HK$138,846
+HK$7,964/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$261,764/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,013
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$140,688
−HK$3,728/mo
Today · 4.125%
HK$144,416
baseline
▲ 0.50% · 4.625%
HK$152,028
+HK$7,612/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$288,832/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,261 · Scale 2, in force from 26 Feb 2026)