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$57,019
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,792
−HK$1,802/mo
Today · 4.125%
HK$60,594
baseline
▲ 0.50% · 4.625%
HK$64,282
+HK$3,688/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,188/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,433
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,134
−HK$1,726/mo
Today · 4.125%
HK$66,860
baseline
▲ 0.50% · 4.625%
HK$70,384
+HK$3,524/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,720/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,733 · Scale 2, in force from 26 Feb 2026)
▼ 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$10.00M · loan HK$15.00M · min. income ≈ HK$145,426/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,733 · 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$10.00M · loan HK$15.00M · min. income ≈ HK$160,464/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,826
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,309
−HK$2,523/mo
Today · 4.125%
HK$84,832
baseline
▲ 0.50% · 4.625%
HK$89,994
+HK$5,162/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,664/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,806
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,188
−HK$2,416/mo
Today · 4.125%
HK$93,604
baseline
▲ 0.50% · 4.625%
HK$98,538
+HK$4,934/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,208/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,634
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$105,826
−HK$3,244/mo
Today · 4.125%
HK$109,070
baseline
▲ 0.50% · 4.625%
HK$115,707
+HK$6,637/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$218,140/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,179
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$117,242
−HK$3,106/mo
Today · 4.125%
HK$120,348
baseline
▲ 0.50% · 4.625%
HK$126,692
+HK$6,344/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$240,696/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,733 · Scale 2, in force from 26 Feb 2026)