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$57,016
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,789
−HK$1,802/mo
Today · 4.125%
HK$60,591
baseline
▲ 0.50% · 4.625%
HK$64,278
+HK$3,687/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,182/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,429
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,130
−HK$1,726/mo
Today · 4.125%
HK$66,856
baseline
▲ 0.50% · 4.625%
HK$70,380
+HK$3,524/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,712/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,671 · Scale 2, in force from 26 Feb 2026)
▼ 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$10.00M · loan HK$15.00M · min. income ≈ HK$145,418/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,671 · 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$10.00M · loan HK$15.00M · min. income ≈ HK$160,454/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,822
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,305
−HK$2,522/mo
Today · 4.125%
HK$84,827
baseline
▲ 0.50% · 4.625%
HK$89,989
+HK$5,162/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,654/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,801
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,183
−HK$2,416/mo
Today · 4.125%
HK$93,599
baseline
▲ 0.50% · 4.625%
HK$98,532
+HK$4,933/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,198/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,628
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$105,820
−HK$3,244/mo
Today · 4.125%
HK$109,064
baseline
▲ 0.50% · 4.625%
HK$115,700
+HK$6,636/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$218,128/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,173
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,235
−HK$3,106/mo
Today · 4.125%
HK$120,341
baseline
▲ 0.50% · 4.625%
HK$126,684
+HK$6,343/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$240,682/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,671 · Scale 2, in force from 26 Feb 2026)