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$57,025
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,799
−HK$1,802/mo
Today · 4.125%
HK$60,601
baseline
▲ 0.50% · 4.625%
HK$64,288
+HK$3,687/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,202/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,440
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,141
−HK$1,726/mo
Today · 4.125%
HK$66,867
baseline
▲ 0.50% · 4.625%
HK$70,392
+HK$3,525/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,734/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,062,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,430
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,558
−HK$2,163/mo
Today · 4.125%
HK$72,721
baseline
▲ 0.50% · 4.625%
HK$77,146
+HK$4,425/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,442/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,062,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,127
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,169
−HK$2,071/mo
Today · 4.125%
HK$80,240
baseline
▲ 0.50% · 4.625%
HK$84,470
+HK$4,230/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,480/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,062,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,835
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,318
−HK$2,523/mo
Today · 4.125%
HK$84,841
baseline
▲ 0.50% · 4.625%
HK$90,004
+HK$5,163/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$169,682/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,062,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,815
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,197
−HK$2,417/mo
Today · 4.125%
HK$93,614
baseline
▲ 0.50% · 4.625%
HK$98,548
+HK$4,934/mo
Deposit HK$7.50M · loan HK$17.51M · min. income ≈ HK$187,228/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$1,062,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,645
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$105,838
−HK$3,243/mo
Today · 4.125%
HK$109,081
baseline
▲ 0.50% · 4.625%
HK$115,719
+HK$6,638/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$218,162/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,191
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$117,254
−HK$3,107/mo
Today · 4.125%
HK$120,361
baseline
▲ 0.50% · 4.625%
HK$126,705
+HK$6,344/mo
Deposit HK$2.50M · loan HK$22.51M · min. income ≈ HK$240,722/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,844 · Scale 2, in force from 26 Feb 2026)