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$54,722
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,425
−HK$1,729/mo
Today · 4.125%
HK$58,154
baseline
▲ 0.50% · 4.625%
HK$61,693
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,308/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,878
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,511
−HK$1,656/mo
Today · 4.125%
HK$64,167
baseline
▲ 0.50% · 4.625%
HK$67,550
+HK$3,383/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,334/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,667
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,710
−HK$2,075/mo
Today · 4.125%
HK$69,785
baseline
▲ 0.50% · 4.625%
HK$74,031
+HK$4,246/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,570/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,054
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,013
−HK$1,988/mo
Today · 4.125%
HK$77,001
baseline
▲ 0.50% · 4.625%
HK$81,060
+HK$4,059/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,002/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,611
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$78,995
−HK$2,421/mo
Today · 4.125%
HK$81,416
baseline
▲ 0.50% · 4.625%
HK$86,370
+HK$4,954/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,832/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,230
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,515
−HK$2,319/mo
Today · 4.125%
HK$89,834
baseline
▲ 0.50% · 4.625%
HK$94,569
+HK$4,735/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,668/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,500
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,564
−HK$3,113/mo
Today · 4.125%
HK$104,677
baseline
▲ 0.50% · 4.625%
HK$111,047
+HK$6,370/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,354/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,581
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,520
−HK$2,981/mo
Today · 4.125%
HK$115,501
baseline
▲ 0.50% · 4.625%
HK$121,589
+HK$6,088/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,002/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,932 · Scale 2, in force from 26 Feb 2026)