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$57,018
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,792
−HK$1,802/mo
Today · 4.125%
HK$60,594
baseline
▲ 0.50% · 4.625%
HK$64,280
+HK$3,686/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,188/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,432
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,133
−HK$1,726/mo
Today · 4.125%
HK$66,859
baseline
▲ 0.50% · 4.625%
HK$70,383
+HK$3,524/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,718/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,422
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,550
−HK$2,162/mo
Today · 4.125%
HK$72,712
baseline
▲ 0.50% · 4.625%
HK$77,137
+HK$4,425/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,424/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,118
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,160
−HK$2,071/mo
Today · 4.125%
HK$80,231
baseline
▲ 0.50% · 4.625%
HK$84,460
+HK$4,229/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,462/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,825
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,308
−HK$2,523/mo
Today · 4.125%
HK$84,831
baseline
▲ 0.50% · 4.625%
HK$89,993
+HK$5,162/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,662/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,805
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,186
−HK$2,417/mo
Today · 4.125%
HK$93,603
baseline
▲ 0.50% · 4.625%
HK$98,536
+HK$4,933/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,206/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,632
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$105,825
−HK$3,243/mo
Today · 4.125%
HK$109,068
baseline
▲ 0.50% · 4.625%
HK$115,705
+HK$6,637/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$218,136/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,177
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$117,240
−HK$3,106/mo
Today · 4.125%
HK$120,346
baseline
▲ 0.50% · 4.625%
HK$126,690
+HK$6,344/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$240,692/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,716 · Scale 2, in force from 26 Feb 2026)