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$68,394
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,521
−HK$2,162/mo
Today · 4.125%
HK$72,683
baseline
▲ 0.50% · 4.625%
HK$77,105
+HK$4,422/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,366/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,088
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,128
−HK$2,070/mo
Today · 4.125%
HK$80,198
baseline
▲ 0.50% · 4.625%
HK$84,426
+HK$4,228/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,396/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,073
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,626
−HK$2,593/mo
Today · 4.125%
HK$87,219
baseline
▲ 0.50% · 4.625%
HK$92,527
+HK$5,308/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,438/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,305
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,754
−HK$2,484/mo
Today · 4.125%
HK$96,238
baseline
▲ 0.50% · 4.625%
HK$101,311
+HK$5,073/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,476/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,752
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$98,730
−HK$3,026/mo
Today · 4.125%
HK$101,756
baseline
▲ 0.50% · 4.625%
HK$107,948
+HK$6,192/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$203,512/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,523
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,380
−HK$2,898/mo
Today · 4.125%
HK$112,278
baseline
▲ 0.50% · 4.625%
HK$118,196
+HK$5,918/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$224,556/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,109
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$126,939
−HK$3,890/mo
Today · 4.125%
HK$130,829
baseline
▲ 0.50% · 4.625%
HK$138,790
+HK$7,961/mo
Deposit HK$3.00M · loan HK$26.99M · min. income ≈ HK$261,658/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,958
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$140,631
−HK$3,726/mo
Today · 4.125%
HK$144,357
baseline
▲ 0.50% · 4.625%
HK$151,966
+HK$7,609/mo
Deposit HK$3.00M · loan HK$26.99M · min. income ≈ HK$288,714/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,745 · Scale 2, in force from 26 Feb 2026)