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$68,409
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,537
−HK$2,162/mo
Today · 4.125%
HK$72,699
baseline
▲ 0.50% · 4.625%
HK$77,122
+HK$4,423/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$145,398/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,104
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,145
−HK$2,071/mo
Today · 4.125%
HK$80,216
baseline
▲ 0.50% · 4.625%
HK$84,444
+HK$4,228/mo
Deposit HK$15.00M · loan HK$15.00M · min. income ≈ HK$160,432/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,091
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,644
−HK$2,594/mo
Today · 4.125%
HK$87,238
baseline
▲ 0.50% · 4.625%
HK$92,547
+HK$5,309/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$174,476/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,325
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,774
−HK$2,485/mo
Today · 4.125%
HK$96,259
baseline
▲ 0.50% · 4.625%
HK$101,333
+HK$5,074/mo
Deposit HK$12.00M · loan HK$18.00M · min. income ≈ HK$192,518/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,772
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$98,752
−HK$3,026/mo
Today · 4.125%
HK$101,778
baseline
▲ 0.50% · 4.625%
HK$107,971
+HK$6,193/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$203,556/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,546
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$109,403
−HK$2,899/mo
Today · 4.125%
HK$112,302
baseline
▲ 0.50% · 4.625%
HK$118,222
+HK$5,920/mo
Deposit HK$9.00M · loan HK$21.00M · min. income ≈ HK$224,604/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,136
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$126,966
−HK$3,892/mo
Today · 4.125%
HK$130,858
baseline
▲ 0.50% · 4.625%
HK$138,820
+HK$7,962/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$261,716/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,988
−HK$7,401/mo
▼ 0.25% · 3.875%
HK$140,662
−HK$3,727/mo
Today · 4.125%
HK$144,389
baseline
▲ 0.50% · 4.625%
HK$152,000
+HK$7,611/mo
Deposit HK$3.00M · loan HK$27.00M · min. income ≈ HK$288,778/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,023 · Scale 2, in force from 26 Feb 2026)