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$54,732
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,434
−HK$1,730/mo
Today · 4.125%
HK$58,164
baseline
▲ 0.50% · 4.625%
HK$61,703
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,328/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,104 · 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$67,561
+HK$3,383/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$1,020,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,678
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,721
−HK$2,076/mo
Today · 4.125%
HK$69,797
baseline
▲ 0.50% · 4.625%
HK$74,044
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,594/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,066
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,026
−HK$1,988/mo
Today · 4.125%
HK$77,014
baseline
▲ 0.50% · 4.625%
HK$81,073
+HK$4,059/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,028/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,624
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,008
−HK$2,421/mo
Today · 4.125%
HK$81,429
baseline
▲ 0.50% · 4.625%
HK$86,384
+HK$4,955/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$1,020,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,244
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,530
−HK$2,319/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$1,020,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,517
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,581
−HK$3,114/mo
Today · 4.125%
HK$104,695
baseline
▲ 0.50% · 4.625%
HK$111,065
+HK$6,370/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,390/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,599
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,539
−HK$2,982/mo
Today · 4.125%
HK$115,521
baseline
▲ 0.50% · 4.625%
HK$121,610
+HK$6,089/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,042/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,104 · Scale 2, in force from 26 Feb 2026)