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$57,000
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,773
−HK$1,802/mo
Today · 4.125%
HK$60,575
baseline
▲ 0.50% · 4.625%
HK$64,260
+HK$3,685/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$121,150/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,412
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,113
−HK$1,725/mo
Today · 4.125%
HK$66,838
baseline
▲ 0.50% · 4.625%
HK$70,361
+HK$3,523/mo
Deposit HK$12.50M · loan HK$12.50M · min. income ≈ HK$133,676/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,062,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,400
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,528
−HK$2,162/mo
Today · 4.125%
HK$72,690
baseline
▲ 0.50% · 4.625%
HK$77,113
+HK$4,423/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$145,380/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,095
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,135
−HK$2,071/mo
Today · 4.125%
HK$80,206
baseline
▲ 0.50% · 4.625%
HK$84,434
+HK$4,228/mo
Deposit HK$10.00M · loan HK$15.00M · min. income ≈ HK$160,412/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,062,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,800
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,283
−HK$2,521/mo
Today · 4.125%
HK$84,804
baseline
▲ 0.50% · 4.625%
HK$89,965
+HK$5,161/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$169,608/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,777
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,158
−HK$2,415/mo
Today · 4.125%
HK$93,573
baseline
▲ 0.50% · 4.625%
HK$98,506
+HK$4,933/mo
Deposit HK$7.50M · loan HK$17.50M · min. income ≈ HK$187,146/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,062,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,600
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$105,792
−HK$3,242/mo
Today · 4.125%
HK$109,034
baseline
▲ 0.50% · 4.625%
HK$115,669
+HK$6,635/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$218,068/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,142
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$117,203
−HK$3,106/mo
Today · 4.125%
HK$120,309
baseline
▲ 0.50% · 4.625%
HK$126,650
+HK$6,341/mo
Deposit HK$2.50M · loan HK$22.50M · min. income ≈ HK$240,618/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,062,385 · Scale 2, in force from 26 Feb 2026)