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$54,739
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,441
−HK$1,730/mo
Today · 4.125%
HK$58,171
baseline
▲ 0.50% · 4.625%
HK$61,711
+HK$3,540/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,342/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,896
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,529
−HK$1,657/mo
Today · 4.125%
HK$64,186
baseline
▲ 0.50% · 4.625%
HK$67,570
+HK$3,384/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,372/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,686
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,730
−HK$2,076/mo
Today · 4.125%
HK$69,806
baseline
▲ 0.50% · 4.625%
HK$74,053
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,612/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,076
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,035
−HK$1,989/mo
Today · 4.125%
HK$77,024
baseline
▲ 0.50% · 4.625%
HK$81,084
+HK$4,060/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,048/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,634
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,018
−HK$2,422/mo
Today · 4.125%
HK$81,440
baseline
▲ 0.50% · 4.625%
HK$86,395
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,880/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,255
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,541
−HK$2,320/mo
Today · 4.125%
HK$89,861
baseline
▲ 0.50% · 4.625%
HK$94,598
+HK$4,737/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,722/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,530
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,595
−HK$3,113/mo
Today · 4.125%
HK$104,708
baseline
▲ 0.50% · 4.625%
HK$111,080
+HK$6,372/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,416/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,613
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,553
−HK$2,982/mo
Today · 4.125%
HK$115,535
baseline
▲ 0.50% · 4.625%
HK$121,625
+HK$6,090/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,070/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,235 · Scale 2, in force from 26 Feb 2026)