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$57,006
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,779
−HK$1,802/mo
Today · 4.125%
HK$60,581
baseline
▲ 0.50% · 4.625%
HK$64,267
+HK$3,686/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,162/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,419
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,120
−HK$1,725/mo
Today · 4.125%
HK$66,845
baseline
▲ 0.50% · 4.625%
HK$70,369
+HK$3,524/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,690/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,408
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,535
−HK$2,162/mo
Today · 4.125%
HK$72,697
baseline
▲ 0.50% · 4.625%
HK$77,121
+HK$4,424/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,394/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,103
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,144
−HK$2,070/mo
Today · 4.125%
HK$80,214
baseline
▲ 0.50% · 4.625%
HK$84,442
+HK$4,228/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,428/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,809
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,291
−HK$2,522/mo
Today · 4.125%
HK$84,813
baseline
▲ 0.50% · 4.625%
HK$89,974
+HK$5,161/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,626/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,786
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,168
−HK$2,415/mo
Today · 4.125%
HK$93,583
baseline
▲ 0.50% · 4.625%
HK$98,516
+HK$4,933/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,166/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,611
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,803
−HK$3,243/mo
Today · 4.125%
HK$109,046
baseline
▲ 0.50% · 4.625%
HK$115,681
+HK$6,635/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$218,092/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,154
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$117,216
−HK$3,105/mo
Today · 4.125%
HK$120,321
baseline
▲ 0.50% · 4.625%
HK$126,664
+HK$6,343/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$240,642/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,498 · Scale 2, in force from 26 Feb 2026)