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$57,018
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,791
−HK$1,802/mo
Today · 4.125%
HK$60,593
baseline
▲ 0.50% · 4.625%
HK$64,280
+HK$3,687/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,186/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,432
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,133
−HK$1,726/mo
Today · 4.125%
HK$66,859
baseline
▲ 0.50% · 4.625%
HK$70,383
+HK$3,524/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,718/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,421
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,550
−HK$2,162/mo
Today · 4.125%
HK$72,712
baseline
▲ 0.50% · 4.625%
HK$77,136
+HK$4,424/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,424/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,118
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,159
−HK$2,071/mo
Today · 4.125%
HK$80,230
baseline
▲ 0.50% · 4.625%
HK$84,459
+HK$4,229/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,460/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,825
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,308
−HK$2,522/mo
Today · 4.125%
HK$84,830
baseline
▲ 0.50% · 4.625%
HK$89,992
+HK$5,162/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,660/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,804
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,186
−HK$2,416/mo
Today · 4.125%
HK$93,602
baseline
▲ 0.50% · 4.625%
HK$98,536
+HK$4,934/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,204/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,632
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$105,824
−HK$3,244/mo
Today · 4.125%
HK$109,068
baseline
▲ 0.50% · 4.625%
HK$115,704
+HK$6,636/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$218,136/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,177
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,239
−HK$3,106/mo
Today · 4.125%
HK$120,345
baseline
▲ 0.50% · 4.625%
HK$126,689
+HK$6,344/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$240,690/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,711 · Scale 2, in force from 26 Feb 2026)