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$57,013
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,786
−HK$1,802/mo
Today · 4.125%
HK$60,588
baseline
▲ 0.50% · 4.625%
HK$64,275
+HK$3,687/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,176/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,426
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,127
−HK$1,726/mo
Today · 4.125%
HK$66,853
baseline
▲ 0.50% · 4.625%
HK$70,377
+HK$3,524/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,706/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,415
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,544
−HK$2,162/mo
Today · 4.125%
HK$72,706
baseline
▲ 0.50% · 4.625%
HK$77,130
+HK$4,424/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,412/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,111
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,153
−HK$2,071/mo
Today · 4.125%
HK$80,224
baseline
▲ 0.50% · 4.625%
HK$84,452
+HK$4,228/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,448/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,818
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,301
−HK$2,522/mo
Today · 4.125%
HK$84,823
baseline
▲ 0.50% · 4.625%
HK$89,985
+HK$5,162/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,646/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,797
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,178
−HK$2,416/mo
Today · 4.125%
HK$93,594
baseline
▲ 0.50% · 4.625%
HK$98,528
+HK$4,934/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,188/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,623
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$105,815
−HK$3,244/mo
Today · 4.125%
HK$109,059
baseline
▲ 0.50% · 4.625%
HK$115,695
+HK$6,636/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$218,118/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,167
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,229
−HK$3,106/mo
Today · 4.125%
HK$120,335
baseline
▲ 0.50% · 4.625%
HK$126,678
+HK$6,343/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$240,670/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,621 · Scale 2, in force from 26 Feb 2026)