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$54,738
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,441
−HK$1,730/mo
Today · 4.125%
HK$58,171
baseline
▲ 0.50% · 4.625%
HK$61,710
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,342/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,896
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,529
−HK$1,657/mo
Today · 4.125%
HK$64,186
baseline
▲ 0.50% · 4.625%
HK$67,569
+HK$3,383/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,372/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,686
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,729
−HK$2,076/mo
Today · 4.125%
HK$69,805
baseline
▲ 0.50% · 4.625%
HK$74,052
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,610/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,075
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,034
−HK$1,989/mo
Today · 4.125%
HK$77,023
baseline
▲ 0.50% · 4.625%
HK$81,083
+HK$4,060/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,046/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,633
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,017
−HK$2,422/mo
Today · 4.125%
HK$81,439
baseline
▲ 0.50% · 4.625%
HK$86,394
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,878/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,254
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,540
−HK$2,320/mo
Today · 4.125%
HK$89,860
baseline
▲ 0.50% · 4.625%
HK$94,596
+HK$4,736/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,720/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,529
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,593
−HK$3,114/mo
Today · 4.125%
HK$104,707
baseline
▲ 0.50% · 4.625%
HK$111,078
+HK$6,371/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,414/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,612
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,552
−HK$2,982/mo
Today · 4.125%
HK$115,534
baseline
▲ 0.50% · 4.625%
HK$121,624
+HK$6,090/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,068/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,222 · Scale 2, in force from 26 Feb 2026)