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$54,712
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,414
−HK$1,729/mo
Today · 4.125%
HK$58,143
baseline
▲ 0.50% · 4.625%
HK$61,681
+HK$3,538/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,286/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,867
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,499
−HK$1,656/mo
Today · 4.125%
HK$64,155
baseline
▲ 0.50% · 4.625%
HK$67,537
+HK$3,382/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,310/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,655
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,697
−HK$2,075/mo
Today · 4.125%
HK$69,772
baseline
▲ 0.50% · 4.625%
HK$74,017
+HK$4,245/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,544/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,040
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,999
−HK$1,987/mo
Today · 4.125%
HK$76,986
baseline
▲ 0.50% · 4.625%
HK$81,044
+HK$4,058/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$153,972/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,597
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,980
−HK$2,420/mo
Today · 4.125%
HK$81,400
baseline
▲ 0.50% · 4.625%
HK$86,353
+HK$4,953/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,800/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,213
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,499
−HK$2,318/mo
Today · 4.125%
HK$89,817
baseline
▲ 0.50% · 4.625%
HK$94,552
+HK$4,735/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,634/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,482
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,545
−HK$3,113/mo
Today · 4.125%
HK$104,658
baseline
▲ 0.50% · 4.625%
HK$111,026
+HK$6,368/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,316/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,560
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,498
−HK$2,981/mo
Today · 4.125%
HK$115,479
baseline
▲ 0.50% · 4.625%
HK$121,566
+HK$6,087/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,958/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,740 · Scale 2, in force from 26 Feb 2026)