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$68,423
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,551
−HK$2,162/mo
Today · 4.125%
HK$72,713
baseline
▲ 0.50% · 4.625%
HK$77,138
+HK$4,425/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$1,275,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,120
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,161
−HK$2,071/mo
Today · 4.125%
HK$80,232
baseline
▲ 0.50% · 4.625%
HK$84,461
+HK$4,229/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,464/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,107
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,661
−HK$2,595/mo
Today · 4.125%
HK$87,256
baseline
▲ 0.50% · 4.625%
HK$92,565
+HK$5,309/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,512/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,344
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,793
−HK$2,486/mo
Today · 4.125%
HK$96,279
baseline
▲ 0.50% · 4.625%
HK$101,354
+HK$5,075/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,558/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,792
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$98,772
−HK$3,027/mo
Today · 4.125%
HK$101,799
baseline
▲ 0.50% · 4.625%
HK$107,993
+HK$6,194/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$203,598/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,567
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,426
−HK$2,899/mo
Today · 4.125%
HK$112,325
baseline
▲ 0.50% · 4.625%
HK$118,246
+HK$5,921/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$224,650/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,161
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$126,992
−HK$3,892/mo
Today · 4.125%
HK$130,884
baseline
▲ 0.50% · 4.625%
HK$138,848
+HK$7,964/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$261,768/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,015
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$140,690
−HK$3,728/mo
Today · 4.125%
HK$144,418
baseline
▲ 0.50% · 4.625%
HK$152,030
+HK$7,612/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$288,836/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,281 · Scale 2, in force from 26 Feb 2026)