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$54,730
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,432
−HK$1,730/mo
Today · 4.125%
HK$58,162
baseline
▲ 0.50% · 4.625%
HK$61,701
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,324/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,886
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,519
−HK$1,657/mo
Today · 4.125%
HK$64,176
baseline
▲ 0.50% · 4.625%
HK$67,558
+HK$3,382/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,352/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,676
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,718
−HK$2,076/mo
Today · 4.125%
HK$69,794
baseline
▲ 0.50% · 4.625%
HK$74,041
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,588/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,063
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,023
−HK$1,988/mo
Today · 4.125%
HK$77,011
baseline
▲ 0.50% · 4.625%
HK$81,070
+HK$4,059/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,022/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,621
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,005
−HK$2,421/mo
Today · 4.125%
HK$81,426
baseline
▲ 0.50% · 4.625%
HK$86,381
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,852/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,241
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,527
−HK$2,319/mo
Today · 4.125%
HK$89,846
baseline
▲ 0.50% · 4.625%
HK$94,582
+HK$4,736/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,692/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,513
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,578
−HK$3,113/mo
Today · 4.125%
HK$104,691
baseline
▲ 0.50% · 4.625%
HK$111,061
+HK$6,370/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,382/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,595
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,534
−HK$2,982/mo
Today · 4.125%
HK$115,516
baseline
▲ 0.50% · 4.625%
HK$121,605
+HK$6,089/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,032/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,064 · Scale 2, in force from 26 Feb 2026)