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$57,008
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,782
−HK$1,801/mo
Today · 4.125%
HK$60,583
baseline
▲ 0.50% · 4.625%
HK$64,270
+HK$3,687/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,166/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,421
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,122
−HK$1,726/mo
Today · 4.125%
HK$66,848
baseline
▲ 0.50% · 4.625%
HK$70,371
+HK$3,523/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,696/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,410
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,538
−HK$2,162/mo
Today · 4.125%
HK$72,700
baseline
▲ 0.50% · 4.625%
HK$77,123
+HK$4,423/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,400/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,105
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,146
−HK$2,071/mo
Today · 4.125%
HK$80,217
baseline
▲ 0.50% · 4.625%
HK$84,445
+HK$4,228/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,434/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,812
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,294
−HK$2,522/mo
Today · 4.125%
HK$84,816
baseline
▲ 0.50% · 4.625%
HK$89,977
+HK$5,161/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,632/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,790
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,171
−HK$2,416/mo
Today · 4.125%
HK$93,587
baseline
▲ 0.50% · 4.625%
HK$98,520
+HK$4,933/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,174/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,615
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,807
−HK$3,243/mo
Today · 4.125%
HK$109,050
baseline
▲ 0.50% · 4.625%
HK$115,685
+HK$6,635/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$218,100/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,158
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,220
−HK$3,106/mo
Today · 4.125%
HK$120,326
baseline
▲ 0.50% · 4.625%
HK$126,668
+HK$6,342/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$240,652/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,535 · Scale 2, in force from 26 Feb 2026)