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$54,728
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,430
−HK$1,730/mo
Today · 4.125%
HK$58,160
baseline
▲ 0.50% · 4.625%
HK$61,699
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,320/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,884
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,517
−HK$1,657/mo
Today · 4.125%
HK$64,174
baseline
▲ 0.50% · 4.625%
HK$67,557
+HK$3,383/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,348/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,674
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,717
−HK$2,075/mo
Today · 4.125%
HK$69,792
baseline
▲ 0.50% · 4.625%
HK$74,039
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,584/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,061
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,021
−HK$1,988/mo
Today · 4.125%
HK$77,009
baseline
▲ 0.50% · 4.625%
HK$81,068
+HK$4,059/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,018/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,619
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,003
−HK$2,421/mo
Today · 4.125%
HK$81,424
baseline
▲ 0.50% · 4.625%
HK$86,378
+HK$4,954/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,848/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,238
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,524
−HK$2,319/mo
Today · 4.125%
HK$89,843
baseline
▲ 0.50% · 4.625%
HK$94,579
+HK$4,736/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,686/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,511
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,575
−HK$3,113/mo
Today · 4.125%
HK$104,688
baseline
▲ 0.50% · 4.625%
HK$111,058
+HK$6,370/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,376/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,592
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,531
−HK$2,982/mo
Today · 4.125%
HK$115,513
baseline
▲ 0.50% · 4.625%
HK$121,602
+HK$6,089/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,026/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,036 · Scale 2, in force from 26 Feb 2026)