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$68,397
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,524
−HK$2,162/mo
Today · 4.125%
HK$72,686
baseline
▲ 0.50% · 4.625%
HK$77,109
+HK$4,423/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,372/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,091
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,131
−HK$2,071/mo
Today · 4.125%
HK$80,202
baseline
▲ 0.50% · 4.625%
HK$84,429
+HK$4,227/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,404/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,076
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,629
−HK$2,594/mo
Today · 4.125%
HK$87,223
baseline
▲ 0.50% · 4.625%
HK$92,530
+HK$5,307/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,446/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,309
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,758
−HK$2,484/mo
Today · 4.125%
HK$96,242
baseline
▲ 0.50% · 4.625%
HK$101,315
+HK$5,073/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,484/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,755
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$98,734
−HK$3,026/mo
Today · 4.125%
HK$101,760
baseline
▲ 0.50% · 4.625%
HK$107,952
+HK$6,192/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$203,520/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,527
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,384
−HK$2,898/mo
Today · 4.125%
HK$112,282
baseline
▲ 0.50% · 4.625%
HK$118,201
+HK$5,919/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$224,564/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,114
−HK$7,721/mo
▼ 0.25% · 3.875%
HK$126,944
−HK$3,891/mo
Today · 4.125%
HK$130,835
baseline
▲ 0.50% · 4.625%
HK$138,796
+HK$7,961/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$261,670/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,963
−HK$7,400/mo
▼ 0.25% · 3.875%
HK$140,637
−HK$3,726/mo
Today · 4.125%
HK$144,363
baseline
▲ 0.50% · 4.625%
HK$151,973
+HK$7,610/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$288,726/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,797 · Scale 2, in force from 26 Feb 2026)