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$54,741
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,444
−HK$1,730/mo
Today · 4.125%
HK$58,174
baseline
▲ 0.50% · 4.625%
HK$61,714
+HK$3,540/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,348/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,899
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,532
−HK$1,657/mo
Today · 4.125%
HK$64,189
baseline
▲ 0.50% · 4.625%
HK$67,573
+HK$3,384/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,378/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,689
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,733
−HK$2,076/mo
Today · 4.125%
HK$69,809
baseline
▲ 0.50% · 4.625%
HK$74,056
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,618/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,079
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,039
−HK$1,988/mo
Today · 4.125%
HK$77,027
baseline
▲ 0.50% · 4.625%
HK$81,087
+HK$4,060/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,054/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,637
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,021
−HK$2,422/mo
Today · 4.125%
HK$81,443
baseline
▲ 0.50% · 4.625%
HK$86,399
+HK$4,956/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,886/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,258
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,545
−HK$2,320/mo
Today · 4.125%
HK$89,865
baseline
▲ 0.50% · 4.625%
HK$94,602
+HK$4,737/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,730/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,534
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,599
−HK$3,114/mo
Today · 4.125%
HK$104,713
baseline
▲ 0.50% · 4.625%
HK$111,084
+HK$6,371/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,426/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,618
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,558
−HK$2,982/mo
Today · 4.125%
HK$115,540
baseline
▲ 0.50% · 4.625%
HK$121,631
+HK$6,091/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,080/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,278 · Scale 2, in force from 26 Feb 2026)