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$54,717
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,419
−HK$1,730/mo
Today · 4.125%
HK$58,149
baseline
▲ 0.50% · 4.625%
HK$61,687
+HK$3,538/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,298/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,872
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,505
−HK$1,656/mo
Today · 4.125%
HK$64,161
baseline
▲ 0.50% · 4.625%
HK$67,543
+HK$3,382/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,322/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,661
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,703
−HK$2,075/mo
Today · 4.125%
HK$69,778
baseline
▲ 0.50% · 4.625%
HK$74,024
+HK$4,246/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,556/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,047
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$75,006
−HK$1,987/mo
Today · 4.125%
HK$76,993
baseline
▲ 0.50% · 4.625%
HK$81,052
+HK$4,059/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$153,986/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,604
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,987
−HK$2,421/mo
Today · 4.125%
HK$81,408
baseline
▲ 0.50% · 4.625%
HK$86,361
+HK$4,953/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,816/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,221
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,507
−HK$2,319/mo
Today · 4.125%
HK$89,826
baseline
▲ 0.50% · 4.625%
HK$94,560
+HK$4,734/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,652/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,491
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,555
−HK$3,112/mo
Today · 4.125%
HK$104,667
baseline
▲ 0.50% · 4.625%
HK$111,036
+HK$6,369/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,334/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,570
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,509
−HK$2,981/mo
Today · 4.125%
HK$115,490
baseline
▲ 0.50% · 4.625%
HK$121,578
+HK$6,088/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$230,980/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,835 · Scale 2, in force from 26 Feb 2026)