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$54,709
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,411
−HK$1,729/mo
Today · 4.125%
HK$58,140
baseline
▲ 0.50% · 4.625%
HK$61,677
+HK$3,537/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,280/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,863
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,495
−HK$1,656/mo
Today · 4.125%
HK$64,151
baseline
▲ 0.50% · 4.625%
HK$67,533
+HK$3,382/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,302/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,651
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,693
−HK$2,074/mo
Today · 4.125%
HK$69,767
baseline
▲ 0.50% · 4.625%
HK$74,013
+HK$4,246/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,534/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,036
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,994
−HK$1,988/mo
Today · 4.125%
HK$76,982
baseline
▲ 0.50% · 4.625%
HK$81,039
+HK$4,057/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$153,964/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,592
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,975
−HK$2,420/mo
Today · 4.125%
HK$81,395
baseline
▲ 0.50% · 4.625%
HK$86,348
+HK$4,953/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,790/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,208
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,493
−HK$2,319/mo
Today · 4.125%
HK$89,812
baseline
▲ 0.50% · 4.625%
HK$94,546
+HK$4,734/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,624/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,476
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,539
−HK$3,112/mo
Today · 4.125%
HK$104,651
baseline
▲ 0.50% · 4.625%
HK$111,019
+HK$6,368/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,302/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,553
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,492
−HK$2,980/mo
Today · 4.125%
HK$115,472
baseline
▲ 0.50% · 4.625%
HK$121,559
+HK$6,087/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,944/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,678 · Scale 2, in force from 26 Feb 2026)