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$68,425
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,554
−HK$2,162/mo
Today · 4.125%
HK$72,716
baseline
▲ 0.50% · 4.625%
HK$77,141
+HK$4,425/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,432/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,122
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,164
−HK$2,071/mo
Today · 4.125%
HK$80,235
baseline
▲ 0.50% · 4.625%
HK$84,464
+HK$4,229/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,470/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,110
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,664
−HK$2,595/mo
Today · 4.125%
HK$87,259
baseline
▲ 0.50% · 4.625%
HK$92,569
+HK$5,310/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,518/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,347
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,797
−HK$2,485/mo
Today · 4.125%
HK$96,282
baseline
▲ 0.50% · 4.625%
HK$101,357
+HK$5,075/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,564/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,795
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,775
−HK$3,027/mo
Today · 4.125%
HK$101,802
baseline
▲ 0.50% · 4.625%
HK$107,997
+HK$6,195/mo
Deposit HK$9.00M · loan HK$21.01M · min. income ≈ HK$203,604/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,571
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,429
−HK$2,900/mo
Today · 4.125%
HK$112,329
baseline
▲ 0.50% · 4.625%
HK$118,250
+HK$5,921/mo
Deposit HK$9.00M · loan HK$21.01M · min. income ≈ HK$224,658/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,165
−HK$7,724/mo
▼ 0.25% · 3.875%
HK$126,996
−HK$3,893/mo
Today · 4.125%
HK$130,889
baseline
▲ 0.50% · 4.625%
HK$138,853
+HK$7,964/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$261,778/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,020
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$140,695
−HK$3,728/mo
Today · 4.125%
HK$144,423
baseline
▲ 0.50% · 4.625%
HK$152,036
+HK$7,613/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$288,846/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,327 · Scale 2, in force from 26 Feb 2026)