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$68,409
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,537
−HK$2,162/mo
Today · 4.125%
HK$72,699
baseline
▲ 0.50% · 4.625%
HK$77,123
+HK$4,424/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,398/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,105
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,146
−HK$2,071/mo
Today · 4.125%
HK$80,217
baseline
▲ 0.50% · 4.625%
HK$84,445
+HK$4,228/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,434/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,091
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,645
−HK$2,594/mo
Today · 4.125%
HK$87,239
baseline
▲ 0.50% · 4.625%
HK$92,548
+HK$5,309/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,478/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,326
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,775
−HK$2,485/mo
Today · 4.125%
HK$96,260
baseline
▲ 0.50% · 4.625%
HK$101,334
+HK$5,074/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,520/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,773
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,752
−HK$3,027/mo
Today · 4.125%
HK$101,779
baseline
▲ 0.50% · 4.625%
HK$107,972
+HK$6,193/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$203,558/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,547
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$109,404
−HK$2,899/mo
Today · 4.125%
HK$112,303
baseline
▲ 0.50% · 4.625%
HK$118,223
+HK$5,920/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$224,606/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,137
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$126,967
−HK$3,892/mo
Today · 4.125%
HK$130,859
baseline
▲ 0.50% · 4.625%
HK$138,821
+HK$7,962/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$261,718/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,989
−HK$7,401/mo
▼ 0.25% · 3.875%
HK$140,663
−HK$3,727/mo
Today · 4.125%
HK$144,390
baseline
▲ 0.50% · 4.625%
HK$152,001
+HK$7,611/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$288,780/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,034 · Scale 2, in force from 26 Feb 2026)