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$56,992
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,765
−HK$1,801/mo
Today · 4.125%
HK$60,566
baseline
▲ 0.50% · 4.625%
HK$64,251
+HK$3,685/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,132/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,403
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,103
−HK$1,725/mo
Today · 4.125%
HK$66,828
baseline
▲ 0.50% · 4.625%
HK$70,351
+HK$3,523/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,656/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,390
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,517
−HK$2,162/mo
Today · 4.125%
HK$72,679
baseline
▲ 0.50% · 4.625%
HK$77,101
+HK$4,422/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,358/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,083
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,124
−HK$2,070/mo
Today · 4.125%
HK$80,194
baseline
▲ 0.50% · 4.625%
HK$84,421
+HK$4,227/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,388/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,788
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,270
−HK$2,522/mo
Today · 4.125%
HK$84,792
baseline
▲ 0.50% · 4.625%
HK$89,951
+HK$5,159/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,584/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,764
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,144
−HK$2,415/mo
Today · 4.125%
HK$93,559
baseline
▲ 0.50% · 4.625%
HK$98,491
+HK$4,932/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,118/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,585
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$105,776
−HK$3,242/mo
Today · 4.125%
HK$109,018
baseline
▲ 0.50% · 4.625%
HK$115,652
+HK$6,634/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$218,036/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,125
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$117,186
−HK$3,105/mo
Today · 4.125%
HK$120,291
baseline
▲ 0.50% · 4.625%
HK$126,631
+HK$6,340/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$240,582/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,227 · Scale 2, in force from 26 Feb 2026)