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$54,733
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,436
−HK$1,729/mo
Today · 4.125%
HK$58,165
baseline
▲ 0.50% · 4.625%
HK$61,705
+HK$3,540/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,330/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,890
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,523
−HK$1,657/mo
Today · 4.125%
HK$64,180
baseline
▲ 0.50% · 4.625%
HK$67,563
+HK$3,383/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,360/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,680
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,723
−HK$2,075/mo
Today · 4.125%
HK$69,798
baseline
▲ 0.50% · 4.625%
HK$74,045
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,596/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,068
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,028
−HK$1,988/mo
Today · 4.125%
HK$77,016
baseline
▲ 0.50% · 4.625%
HK$81,075
+HK$4,059/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,032/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,626
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,010
−HK$2,421/mo
Today · 4.125%
HK$81,431
baseline
▲ 0.50% · 4.625%
HK$86,386
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,862/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,246
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,532
−HK$2,320/mo
Today · 4.125%
HK$89,852
baseline
▲ 0.50% · 4.625%
HK$94,588
+HK$4,736/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,704/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,519
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,584
−HK$3,114/mo
Today · 4.125%
HK$104,698
baseline
▲ 0.50% · 4.625%
HK$111,068
+HK$6,370/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,396/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,602
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,541
−HK$2,982/mo
Today · 4.125%
HK$115,523
baseline
▲ 0.50% · 4.625%
HK$121,613
+HK$6,090/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,046/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,129 · Scale 2, in force from 26 Feb 2026)