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$57,007
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,780
−HK$1,802/mo
Today · 4.125%
HK$60,582
baseline
▲ 0.50% · 4.625%
HK$64,268
+HK$3,686/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,164/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,419
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,120
−HK$1,726/mo
Today · 4.125%
HK$66,846
baseline
▲ 0.50% · 4.625%
HK$70,369
+HK$3,523/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,692/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,408
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,536
−HK$2,162/mo
Today · 4.125%
HK$72,698
baseline
▲ 0.50% · 4.625%
HK$77,121
+HK$4,423/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,396/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,103
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,144
−HK$2,071/mo
Today · 4.125%
HK$80,215
baseline
▲ 0.50% · 4.625%
HK$84,443
+HK$4,228/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,430/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,810
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,292
−HK$2,522/mo
Today · 4.125%
HK$84,814
baseline
▲ 0.50% · 4.625%
HK$89,975
+HK$5,161/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,628/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,787
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,169
−HK$2,415/mo
Today · 4.125%
HK$93,584
baseline
▲ 0.50% · 4.625%
HK$98,517
+HK$4,933/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,168/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,612
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,804
−HK$3,243/mo
Today · 4.125%
HK$109,047
baseline
▲ 0.50% · 4.625%
HK$115,682
+HK$6,635/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$218,094/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,155
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,217
−HK$3,106/mo
Today · 4.125%
HK$120,323
baseline
▲ 0.50% · 4.625%
HK$126,665
+HK$6,342/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$240,646/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,508 · Scale 2, in force from 26 Feb 2026)