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$54,712
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,413
−HK$1,730/mo
Today · 4.125%
HK$58,143
baseline
▲ 0.50% · 4.625%
HK$61,680
+HK$3,537/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,286/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,866
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,499
−HK$1,656/mo
Today · 4.125%
HK$64,155
baseline
▲ 0.50% · 4.625%
HK$67,536
+HK$3,381/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,310/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,654
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,696
−HK$2,075/mo
Today · 4.125%
HK$69,771
baseline
▲ 0.50% · 4.625%
HK$74,016
+HK$4,245/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,542/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,039
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,998
−HK$1,987/mo
Today · 4.125%
HK$76,985
baseline
▲ 0.50% · 4.625%
HK$81,043
+HK$4,058/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$153,970/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,596
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,979
−HK$2,421/mo
Today · 4.125%
HK$81,400
baseline
▲ 0.50% · 4.625%
HK$86,353
+HK$4,953/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,800/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,213
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,498
−HK$2,318/mo
Today · 4.125%
HK$89,816
baseline
▲ 0.50% · 4.625%
HK$94,551
+HK$4,735/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,632/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,481
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,544
−HK$3,113/mo
Today · 4.125%
HK$104,657
baseline
▲ 0.50% · 4.625%
HK$111,025
+HK$6,368/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,314/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,559
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,497
−HK$2,981/mo
Today · 4.125%
HK$115,478
baseline
▲ 0.50% · 4.625%
HK$121,565
+HK$6,087/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,956/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,730 · Scale 2, in force from 26 Feb 2026)