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$54,708
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,409
−HK$1,729/mo
Today · 4.125%
HK$58,138
baseline
▲ 0.50% · 4.625%
HK$61,676
+HK$3,538/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,276/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,862
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,494
−HK$1,656/mo
Today · 4.125%
HK$64,150
baseline
▲ 0.50% · 4.625%
HK$67,531
+HK$3,381/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,300/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,649
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,691
−HK$2,075/mo
Today · 4.125%
HK$69,766
baseline
▲ 0.50% · 4.625%
HK$74,011
+HK$4,245/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,532/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,034
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,993
−HK$1,987/mo
Today · 4.125%
HK$76,980
baseline
▲ 0.50% · 4.625%
HK$81,037
+HK$4,057/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$153,960/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,591
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,973
−HK$2,420/mo
Today · 4.125%
HK$81,393
baseline
▲ 0.50% · 4.625%
HK$86,346
+HK$4,953/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,786/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,206
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,491
−HK$2,319/mo
Today · 4.125%
HK$89,810
baseline
▲ 0.50% · 4.625%
HK$94,544
+HK$4,734/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,620/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,474
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,537
−HK$3,112/mo
Today · 4.125%
HK$104,649
baseline
▲ 0.50% · 4.625%
HK$111,016
+HK$6,367/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,298/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,551
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,489
−HK$2,980/mo
Today · 4.125%
HK$115,469
baseline
▲ 0.50% · 4.625%
HK$121,556
+HK$6,087/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,938/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,653 · Scale 2, in force from 26 Feb 2026)