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$68,395
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,523
−HK$2,161/mo
Today · 4.125%
HK$72,684
baseline
▲ 0.50% · 4.625%
HK$77,107
+HK$4,423/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,368/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,089
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,130
−HK$2,070/mo
Today · 4.125%
HK$80,200
baseline
▲ 0.50% · 4.625%
HK$84,428
+HK$4,228/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,400/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,075
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,628
−HK$2,593/mo
Today · 4.125%
HK$87,221
baseline
▲ 0.50% · 4.625%
HK$92,529
+HK$5,308/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,442/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,307
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,756
−HK$2,484/mo
Today · 4.125%
HK$96,240
baseline
▲ 0.50% · 4.625%
HK$101,313
+HK$5,073/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,480/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,754
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$98,732
−HK$3,026/mo
Today · 4.125%
HK$101,758
baseline
▲ 0.50% · 4.625%
HK$107,950
+HK$6,192/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$203,516/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,525
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,382
−HK$2,898/mo
Today · 4.125%
HK$112,280
baseline
▲ 0.50% · 4.625%
HK$118,199
+HK$5,919/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$224,560/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,112
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$126,941
−HK$3,891/mo
Today · 4.125%
HK$130,832
baseline
▲ 0.50% · 4.625%
HK$138,793
+HK$7,961/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$261,664/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,961
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$140,634
−HK$3,726/mo
Today · 4.125%
HK$144,360
baseline
▲ 0.50% · 4.625%
HK$151,970
+HK$7,610/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$288,720/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,772 · Scale 2, in force from 26 Feb 2026)