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$57,014
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,788
−HK$1,802/mo
Today · 4.125%
HK$60,590
baseline
▲ 0.50% · 4.625%
HK$64,276
+HK$3,686/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,180/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,428
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,129
−HK$1,726/mo
Today · 4.125%
HK$66,855
baseline
▲ 0.50% · 4.625%
HK$70,379
+HK$3,524/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,710/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,417
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,545
−HK$2,163/mo
Today · 4.125%
HK$72,708
baseline
▲ 0.50% · 4.625%
HK$77,132
+HK$4,424/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,416/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,114
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,155
−HK$2,071/mo
Today · 4.125%
HK$80,226
baseline
▲ 0.50% · 4.625%
HK$84,455
+HK$4,229/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,452/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,820
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,303
−HK$2,523/mo
Today · 4.125%
HK$84,826
baseline
▲ 0.50% · 4.625%
HK$89,987
+HK$5,161/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,652/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,799
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,181
−HK$2,416/mo
Today · 4.125%
HK$93,597
baseline
▲ 0.50% · 4.625%
HK$98,530
+HK$4,933/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,194/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,626
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,818
−HK$3,243/mo
Today · 4.125%
HK$109,061
baseline
▲ 0.50% · 4.625%
HK$115,698
+HK$6,637/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$218,122/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,170
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$117,232
−HK$3,107/mo
Today · 4.125%
HK$120,339
baseline
▲ 0.50% · 4.625%
HK$126,682
+HK$6,343/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$240,678/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,649 · Scale 2, in force from 26 Feb 2026)