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$68,422
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,550
−HK$2,163/mo
Today · 4.125%
HK$72,713
baseline
▲ 0.50% · 4.625%
HK$77,137
+HK$4,424/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,426/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,119
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,160
−HK$2,071/mo
Today · 4.125%
HK$80,231
baseline
▲ 0.50% · 4.625%
HK$84,461
+HK$4,230/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,462/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,107
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,661
−HK$2,594/mo
Today · 4.125%
HK$87,255
baseline
▲ 0.50% · 4.625%
HK$92,565
+HK$5,310/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,510/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,343
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,792
−HK$2,486/mo
Today · 4.125%
HK$96,278
baseline
▲ 0.50% · 4.625%
HK$101,353
+HK$5,075/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,556/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,791
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,771
−HK$3,027/mo
Today · 4.125%
HK$101,798
baseline
▲ 0.50% · 4.625%
HK$107,992
+HK$6,194/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$203,596/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,567
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,425
−HK$2,899/mo
Today · 4.125%
HK$112,324
baseline
▲ 0.50% · 4.625%
HK$118,245
+HK$5,921/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$224,648/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,160
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$126,991
−HK$3,892/mo
Today · 4.125%
HK$130,883
baseline
▲ 0.50% · 4.625%
HK$138,847
+HK$7,964/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$261,766/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,014
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$140,689
−HK$3,728/mo
Today · 4.125%
HK$144,417
baseline
▲ 0.50% · 4.625%
HK$152,029
+HK$7,612/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$288,834/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,270 · Scale 2, in force from 26 Feb 2026)