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$57,006
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,779
−HK$1,801/mo
Today · 4.125%
HK$60,580
baseline
▲ 0.50% · 4.625%
HK$64,267
+HK$3,687/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,160/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,418
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,119
−HK$1,726/mo
Today · 4.125%
HK$66,845
baseline
▲ 0.50% · 4.625%
HK$70,368
+HK$3,523/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,690/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,407
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,535
−HK$2,162/mo
Today · 4.125%
HK$72,697
baseline
▲ 0.50% · 4.625%
HK$77,120
+HK$4,423/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,394/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,102
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,143
−HK$2,070/mo
Today · 4.125%
HK$80,213
baseline
▲ 0.50% · 4.625%
HK$84,442
+HK$4,229/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,426/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,808
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,290
−HK$2,523/mo
Today · 4.125%
HK$84,813
baseline
▲ 0.50% · 4.625%
HK$89,973
+HK$5,160/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,626/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,786
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,167
−HK$2,415/mo
Today · 4.125%
HK$93,582
baseline
▲ 0.50% · 4.625%
HK$98,515
+HK$4,933/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,164/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,610
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,802
−HK$3,243/mo
Today · 4.125%
HK$109,045
baseline
▲ 0.50% · 4.625%
HK$115,680
+HK$6,635/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$218,090/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,153
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$117,214
−HK$3,106/mo
Today · 4.125%
HK$120,320
baseline
▲ 0.50% · 4.625%
HK$126,662
+HK$6,342/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$240,640/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,486 · Scale 2, in force from 26 Feb 2026)