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$57,028
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,802
−HK$1,802/mo
Today · 4.125%
HK$60,604
baseline
▲ 0.50% · 4.625%
HK$64,292
+HK$3,688/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,208/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,443
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,144
−HK$1,726/mo
Today · 4.125%
HK$66,870
baseline
▲ 0.50% · 4.625%
HK$70,395
+HK$3,525/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,740/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,433
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,562
−HK$2,163/mo
Today · 4.125%
HK$72,725
baseline
▲ 0.50% · 4.625%
HK$77,150
+HK$4,425/mo
Deposit HK$10.00M · loan HK$15.01M · min. income ≈ HK$145,450/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,062,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,131
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,173
−HK$2,072/mo
Today · 4.125%
HK$80,245
baseline
▲ 0.50% · 4.625%
HK$84,474
+HK$4,229/mo
Deposit HK$10.00M · loan HK$15.01M · min. income ≈ HK$160,490/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,062,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,839
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,322
−HK$2,524/mo
Today · 4.125%
HK$84,846
baseline
▲ 0.50% · 4.625%
HK$90,008
+HK$5,162/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,692/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,062,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,820
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,202
−HK$2,417/mo
Today · 4.125%
HK$93,619
baseline
▲ 0.50% · 4.625%
HK$98,553
+HK$4,934/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,238/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,062,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,650
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$105,843
−HK$3,244/mo
Today · 4.125%
HK$109,087
baseline
▲ 0.50% · 4.625%
HK$115,725
+HK$6,638/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,174/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,197
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$117,260
−HK$3,107/mo
Today · 4.125%
HK$120,367
baseline
▲ 0.50% · 4.625%
HK$126,712
+HK$6,345/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,734/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,899 · Scale 2, in force from 26 Feb 2026)