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$68,407
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,535
−HK$2,162/mo
Today · 4.125%
HK$72,697
baseline
▲ 0.50% · 4.625%
HK$77,120
+HK$4,423/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,394/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,102
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,143
−HK$2,071/mo
Today · 4.125%
HK$80,214
baseline
▲ 0.50% · 4.625%
HK$84,442
+HK$4,228/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,428/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,089
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,642
−HK$2,594/mo
Today · 4.125%
HK$87,236
baseline
▲ 0.50% · 4.625%
HK$92,545
+HK$5,309/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,472/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,323
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,772
−HK$2,485/mo
Today · 4.125%
HK$96,257
baseline
▲ 0.50% · 4.625%
HK$101,331
+HK$5,074/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,514/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,770
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,749
−HK$3,027/mo
Today · 4.125%
HK$101,776
baseline
▲ 0.50% · 4.625%
HK$107,969
+HK$6,193/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$203,552/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,543
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,401
−HK$2,899/mo
Today · 4.125%
HK$112,300
baseline
▲ 0.50% · 4.625%
HK$118,219
+HK$5,919/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$224,600/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,133
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$126,963
−HK$3,892/mo
Today · 4.125%
HK$130,855
baseline
▲ 0.50% · 4.625%
HK$138,817
+HK$7,962/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$261,710/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,984
−HK$7,401/mo
▼ 0.25% · 3.875%
HK$140,658
−HK$3,727/mo
Today · 4.125%
HK$144,385
baseline
▲ 0.50% · 4.625%
HK$151,996
+HK$7,611/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$288,770/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,993 · Scale 2, in force from 26 Feb 2026)