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$68,411
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,539
−HK$2,162/mo
Today · 4.125%
HK$72,701
baseline
▲ 0.50% · 4.625%
HK$77,125
+HK$4,424/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,402/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,107
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,148
−HK$2,070/mo
Today · 4.125%
HK$80,218
baseline
▲ 0.50% · 4.625%
HK$84,447
+HK$4,229/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,436/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,093
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,647
−HK$2,594/mo
Today · 4.125%
HK$87,241
baseline
▲ 0.50% · 4.625%
HK$92,550
+HK$5,309/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,482/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,328
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,777
−HK$2,485/mo
Today · 4.125%
HK$96,262
baseline
▲ 0.50% · 4.625%
HK$101,336
+HK$5,074/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,524/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,775
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,755
−HK$3,026/mo
Today · 4.125%
HK$101,781
baseline
▲ 0.50% · 4.625%
HK$107,974
+HK$6,193/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$203,562/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,549
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$109,407
−HK$2,899/mo
Today · 4.125%
HK$112,306
baseline
▲ 0.50% · 4.625%
HK$118,225
+HK$5,919/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$224,612/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,140
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$126,970
−HK$3,892/mo
Today · 4.125%
HK$130,862
baseline
▲ 0.50% · 4.625%
HK$138,824
+HK$7,962/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$261,724/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,992
−HK$7,401/mo
▼ 0.25% · 3.875%
HK$140,666
−HK$3,727/mo
Today · 4.125%
HK$144,393
baseline
▲ 0.50% · 4.625%
HK$152,004
+HK$7,611/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$288,786/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,062 · Scale 2, in force from 26 Feb 2026)