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$68,410
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,538
−HK$2,162/mo
Today · 4.125%
HK$72,700
baseline
▲ 0.50% · 4.625%
HK$77,124
+HK$4,424/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,400/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,106
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,147
−HK$2,070/mo
Today · 4.125%
HK$80,217
baseline
▲ 0.50% · 4.625%
HK$84,446
+HK$4,229/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$1,275,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,092
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,646
−HK$2,594/mo
Today · 4.125%
HK$87,240
baseline
▲ 0.50% · 4.625%
HK$92,549
+HK$5,309/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,480/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,327
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,776
−HK$2,485/mo
Today · 4.125%
HK$96,261
baseline
▲ 0.50% · 4.625%
HK$101,335
+HK$5,074/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,522/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,774
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,753
−HK$3,027/mo
Today · 4.125%
HK$101,780
baseline
▲ 0.50% · 4.625%
HK$107,973
+HK$6,193/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$203,560/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,548
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$109,406
−HK$2,898/mo
Today · 4.125%
HK$112,304
baseline
▲ 0.50% · 4.625%
HK$118,224
+HK$5,920/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$224,608/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,138
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$126,969
−HK$3,891/mo
Today · 4.125%
HK$130,860
baseline
▲ 0.50% · 4.625%
HK$138,823
+HK$7,963/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$261,720/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,990
−HK$7,401/mo
▼ 0.25% · 3.875%
HK$140,664
−HK$3,727/mo
Today · 4.125%
HK$144,391
baseline
▲ 0.50% · 4.625%
HK$152,002
+HK$7,611/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$288,782/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,048 · Scale 2, in force from 26 Feb 2026)