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$68,387
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,514
−HK$2,162/mo
Today · 4.125%
HK$72,676
baseline
▲ 0.50% · 4.625%
HK$77,098
+HK$4,422/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,352/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,080
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,121
−HK$2,069/mo
Today · 4.125%
HK$80,190
baseline
▲ 0.50% · 4.625%
HK$84,417
+HK$4,227/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,380/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,065
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,617
−HK$2,594/mo
Today · 4.125%
HK$87,211
baseline
▲ 0.50% · 4.625%
HK$92,517
+HK$5,306/mo
Deposit HK$12.00M · loan HK$17.99M · min. income ≈ HK$174,422/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,296
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,745
−HK$2,484/mo
Today · 4.125%
HK$96,229
baseline
▲ 0.50% · 4.625%
HK$101,301
+HK$5,072/mo
Deposit HK$12.00M · loan HK$17.99M · min. income ≈ HK$192,458/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,742
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$98,720
−HK$3,026/mo
Today · 4.125%
HK$101,746
baseline
▲ 0.50% · 4.625%
HK$107,937
+HK$6,191/mo
Deposit HK$9.00M · loan HK$20.99M · min. income ≈ HK$203,492/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,512
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,369
−HK$2,898/mo
Today · 4.125%
HK$112,267
baseline
▲ 0.50% · 4.625%
HK$118,184
+HK$5,917/mo
Deposit HK$9.00M · loan HK$20.99M · min. income ≈ HK$224,534/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,097
−HK$7,719/mo
▼ 0.25% · 3.875%
HK$126,926
−HK$3,890/mo
Today · 4.125%
HK$130,816
baseline
▲ 0.50% · 4.625%
HK$138,776
+HK$7,960/mo
Deposit HK$3.00M · loan HK$26.99M · min. income ≈ HK$261,632/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,944
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$140,617
−HK$3,726/mo
Today · 4.125%
HK$144,343
baseline
▲ 0.50% · 4.625%
HK$151,951
+HK$7,608/mo
Deposit HK$3.00M · loan HK$26.99M · min. income ≈ HK$288,686/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,619 · Scale 2, in force from 26 Feb 2026)