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$54,731
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,434
−HK$1,729/mo
Today · 4.125%
HK$58,163
baseline
▲ 0.50% · 4.625%
HK$61,702
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,326/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,888
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,521
−HK$1,657/mo
Today · 4.125%
HK$64,178
baseline
▲ 0.50% · 4.625%
HK$67,560
+HK$3,382/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,356/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,677
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,720
−HK$2,076/mo
Today · 4.125%
HK$69,796
baseline
▲ 0.50% · 4.625%
HK$74,043
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,592/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,065
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,025
−HK$1,988/mo
Today · 4.125%
HK$77,013
baseline
▲ 0.50% · 4.625%
HK$81,072
+HK$4,059/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,026/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,624
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,007
−HK$2,422/mo
Today · 4.125%
HK$81,429
baseline
▲ 0.50% · 4.625%
HK$86,383
+HK$4,954/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,858/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,243
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,529
−HK$2,320/mo
Today · 4.125%
HK$89,849
baseline
▲ 0.50% · 4.625%
HK$94,585
+HK$4,736/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,698/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,516
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,581
−HK$3,113/mo
Today · 4.125%
HK$104,694
baseline
▲ 0.50% · 4.625%
HK$111,064
+HK$6,370/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,388/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,598
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,538
−HK$2,982/mo
Today · 4.125%
HK$115,520
baseline
▲ 0.50% · 4.625%
HK$121,609
+HK$6,089/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,040/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,095 · Scale 2, in force from 26 Feb 2026)