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$57,011
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,784
−HK$1,802/mo
Today · 4.125%
HK$60,586
baseline
▲ 0.50% · 4.625%
HK$64,273
+HK$3,687/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,172/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,424
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,125
−HK$1,726/mo
Today · 4.125%
HK$66,851
baseline
▲ 0.50% · 4.625%
HK$70,375
+HK$3,524/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,702/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,413
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,541
−HK$2,162/mo
Today · 4.125%
HK$72,703
baseline
▲ 0.50% · 4.625%
HK$77,127
+HK$4,424/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,406/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,109
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,150
−HK$2,071/mo
Today · 4.125%
HK$80,221
baseline
▲ 0.50% · 4.625%
HK$84,450
+HK$4,229/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,442/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,816
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,298
−HK$2,523/mo
Today · 4.125%
HK$84,821
baseline
▲ 0.50% · 4.625%
HK$89,982
+HK$5,161/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,642/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,794
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,175
−HK$2,416/mo
Today · 4.125%
HK$93,591
baseline
▲ 0.50% · 4.625%
HK$98,525
+HK$4,934/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,182/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,620
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,812
−HK$3,243/mo
Today · 4.125%
HK$109,055
baseline
▲ 0.50% · 4.625%
HK$115,691
+HK$6,636/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$218,110/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,164
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,225
−HK$3,107/mo
Today · 4.125%
HK$120,332
baseline
▲ 0.50% · 4.625%
HK$126,674
+HK$6,342/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$240,664/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,588 · Scale 2, in force from 26 Feb 2026)