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$56,988
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,761
−HK$1,801/mo
Today · 4.125%
HK$60,562
baseline
▲ 0.50% · 4.625%
HK$64,247
+HK$3,685/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,124/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,399
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,099
−HK$1,725/mo
Today · 4.125%
HK$66,824
baseline
▲ 0.50% · 4.625%
HK$70,346
+HK$3,522/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,648/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,386
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,513
−HK$2,161/mo
Today · 4.125%
HK$72,674
baseline
▲ 0.50% · 4.625%
HK$77,096
+HK$4,422/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,348/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,078
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,119
−HK$2,069/mo
Today · 4.125%
HK$80,188
baseline
▲ 0.50% · 4.625%
HK$84,415
+HK$4,227/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,376/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,783
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,265
−HK$2,521/mo
Today · 4.125%
HK$84,786
baseline
▲ 0.50% · 4.625%
HK$89,945
+HK$5,159/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$169,572/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,758
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,138
−HK$2,415/mo
Today · 4.125%
HK$93,553
baseline
▲ 0.50% · 4.625%
HK$98,485
+HK$4,932/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$187,106/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,578
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$105,769
−HK$3,242/mo
Today · 4.125%
HK$109,011
baseline
▲ 0.50% · 4.625%
HK$115,644
+HK$6,633/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$218,022/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,117
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$117,178
−HK$3,105/mo
Today · 4.125%
HK$120,283
baseline
▲ 0.50% · 4.625%
HK$126,623
+HK$6,340/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$240,566/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,156 · Scale 2, in force from 26 Feb 2026)