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$56,984
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,756
−HK$1,801/mo
Today · 4.125%
HK$60,557
baseline
▲ 0.50% · 4.625%
HK$64,242
+HK$3,685/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,114/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,394
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,094
−HK$1,725/mo
Today · 4.125%
HK$66,819
baseline
▲ 0.50% · 4.625%
HK$70,341
+HK$3,522/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,638/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,380
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,507
−HK$2,161/mo
Today · 4.125%
HK$72,668
baseline
▲ 0.50% · 4.625%
HK$77,090
+HK$4,422/mo
Deposit HK$10.00M · loan HK$14.99M · min. income ≈ HK$145,336/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,072
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,113
−HK$2,069/mo
Today · 4.125%
HK$80,182
baseline
▲ 0.50% · 4.625%
HK$84,409
+HK$4,227/mo
Deposit HK$10.00M · loan HK$14.99M · min. income ≈ HK$160,364/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,777
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,259
−HK$2,521/mo
Today · 4.125%
HK$84,780
baseline
▲ 0.50% · 4.625%
HK$89,938
+HK$5,158/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$169,560/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,751
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,131
−HK$2,415/mo
Today · 4.125%
HK$93,546
baseline
▲ 0.50% · 4.625%
HK$98,477
+HK$4,931/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$187,092/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,571
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$105,761
−HK$3,242/mo
Today · 4.125%
HK$109,003
baseline
▲ 0.50% · 4.625%
HK$115,635
+HK$6,632/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$218,006/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,109
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$117,169
−HK$3,105/mo
Today · 4.125%
HK$120,274
baseline
▲ 0.50% · 4.625%
HK$126,613
+HK$6,339/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$240,548/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,076 · Scale 2, in force from 26 Feb 2026)