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$68,404
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,532
−HK$2,162/mo
Today · 4.125%
HK$72,694
baseline
▲ 0.50% · 4.625%
HK$77,117
+HK$4,423/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,388/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,099
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,140
−HK$2,071/mo
Today · 4.125%
HK$80,211
baseline
▲ 0.50% · 4.625%
HK$84,439
+HK$4,228/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,422/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$1,274,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,085
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,639
−HK$2,594/mo
Today · 4.125%
HK$87,233
baseline
▲ 0.50% · 4.625%
HK$92,541
+HK$5,308/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,466/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,319
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,768
−HK$2,485/mo
Today · 4.125%
HK$96,253
baseline
▲ 0.50% · 4.625%
HK$101,326
+HK$5,073/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,506/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,274,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,766
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,745
−HK$3,027/mo
Today · 4.125%
HK$101,772
baseline
▲ 0.50% · 4.625%
HK$107,964
+HK$6,192/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$203,544/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,539
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$109,396
−HK$2,899/mo
Today · 4.125%
HK$112,295
baseline
▲ 0.50% · 4.625%
HK$118,214
+HK$5,919/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$224,590/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$1,274,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,128
−HK$7,721/mo
▼ 0.25% · 3.875%
HK$126,958
−HK$3,891/mo
Today · 4.125%
HK$130,849
baseline
▲ 0.50% · 4.625%
HK$138,811
+HK$7,962/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$261,698/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,979
−HK$7,400/mo
▼ 0.25% · 3.875%
HK$140,652
−HK$3,727/mo
Today · 4.125%
HK$144,379
baseline
▲ 0.50% · 4.625%
HK$151,990
+HK$7,611/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$288,758/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$1,274,940 · Scale 2, in force from 26 Feb 2026)