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$68,419
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,547
−HK$2,162/mo
Today · 4.125%
HK$72,709
baseline
▲ 0.50% · 4.625%
HK$77,133
+HK$4,424/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,418/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,115
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,156
−HK$2,071/mo
Today · 4.125%
HK$80,227
baseline
▲ 0.50% · 4.625%
HK$84,456
+HK$4,229/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,454/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,102
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,656
−HK$2,595/mo
Today · 4.125%
HK$87,251
baseline
▲ 0.50% · 4.625%
HK$92,560
+HK$5,309/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,502/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,338
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,788
−HK$2,485/mo
Today · 4.125%
HK$96,273
baseline
▲ 0.50% · 4.625%
HK$101,347
+HK$5,074/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,546/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,786
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,766
−HK$3,027/mo
Today · 4.125%
HK$101,793
baseline
▲ 0.50% · 4.625%
HK$107,987
+HK$6,194/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$203,586/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,561
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,419
−HK$2,899/mo
Today · 4.125%
HK$112,318
baseline
▲ 0.50% · 4.625%
HK$118,239
+HK$5,921/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$224,636/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,153
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$126,984
−HK$3,892/mo
Today · 4.125%
HK$130,876
baseline
▲ 0.50% · 4.625%
HK$138,840
+HK$7,964/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$261,752/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,007
−HK$7,402/mo
▼ 0.25% · 3.875%
HK$140,681
−HK$3,728/mo
Today · 4.125%
HK$144,409
baseline
▲ 0.50% · 4.625%
HK$152,021
+HK$7,612/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$288,818/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,204 · Scale 2, in force from 26 Feb 2026)