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$57,027
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,801
−HK$1,802/mo
Today · 4.125%
HK$60,603
baseline
▲ 0.50% · 4.625%
HK$64,290
+HK$3,687/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,206/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,442
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,143
−HK$1,726/mo
Today · 4.125%
HK$66,869
baseline
▲ 0.50% · 4.625%
HK$70,394
+HK$3,525/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,738/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,432
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,561
−HK$2,163/mo
Today · 4.125%
HK$72,724
baseline
▲ 0.50% · 4.625%
HK$77,149
+HK$4,425/mo
Deposit HK$10.00M · loan HK$15.01M · min. income ≈ HK$145,448/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,062,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,130
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,172
−HK$2,071/mo
Today · 4.125%
HK$80,243
baseline
▲ 0.50% · 4.625%
HK$84,473
+HK$4,230/mo
Deposit HK$10.00M · loan HK$15.01M · min. income ≈ HK$160,486/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,062,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,838
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,321
−HK$2,523/mo
Today · 4.125%
HK$84,844
baseline
▲ 0.50% · 4.625%
HK$90,007
+HK$5,163/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,688/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,062,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,818
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,201
−HK$2,416/mo
Today · 4.125%
HK$93,617
baseline
▲ 0.50% · 4.625%
HK$98,552
+HK$4,935/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,234/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,062,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,648
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$105,841
−HK$3,244/mo
Today · 4.125%
HK$109,085
baseline
▲ 0.50% · 4.625%
HK$115,723
+HK$6,638/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,170/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,195
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$117,258
−HK$3,107/mo
Today · 4.125%
HK$120,365
baseline
▲ 0.50% · 4.625%
HK$126,709
+HK$6,344/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,730/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,881 · Scale 2, in force from 26 Feb 2026)