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$57,020
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,793
−HK$1,802/mo
Today · 4.125%
HK$60,595
baseline
▲ 0.50% · 4.625%
HK$64,283
+HK$3,688/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,190/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,434
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,135
−HK$1,726/mo
Today · 4.125%
HK$66,861
baseline
▲ 0.50% · 4.625%
HK$70,385
+HK$3,524/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,722/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,424
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,552
−HK$2,163/mo
Today · 4.125%
HK$72,715
baseline
▲ 0.50% · 4.625%
HK$77,139
+HK$4,424/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,430/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,062,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,121
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,162
−HK$2,071/mo
Today · 4.125%
HK$80,233
baseline
▲ 0.50% · 4.625%
HK$84,463
+HK$4,230/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,466/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,062,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,828
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,311
−HK$2,523/mo
Today · 4.125%
HK$84,834
baseline
▲ 0.50% · 4.625%
HK$89,996
+HK$5,162/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,668/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,808
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,189
−HK$2,417/mo
Today · 4.125%
HK$93,606
baseline
▲ 0.50% · 4.625%
HK$98,540
+HK$4,934/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,212/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,636
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$105,828
−HK$3,244/mo
Today · 4.125%
HK$109,072
baseline
▲ 0.50% · 4.625%
HK$115,709
+HK$6,637/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,144/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,181
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$117,243
−HK$3,107/mo
Today · 4.125%
HK$120,350
baseline
▲ 0.50% · 4.625%
HK$126,694
+HK$6,344/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,700/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,750 · Scale 2, in force from 26 Feb 2026)