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$54,725
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,427
−HK$1,729/mo
Today · 4.125%
HK$58,156
baseline
▲ 0.50% · 4.625%
HK$61,695
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,312/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,881
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,513
−HK$1,657/mo
Today · 4.125%
HK$64,170
baseline
▲ 0.50% · 4.625%
HK$67,552
+HK$3,382/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,340/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,670
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,712
−HK$2,076/mo
Today · 4.125%
HK$69,788
baseline
▲ 0.50% · 4.625%
HK$74,034
+HK$4,246/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,576/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,057
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,016
−HK$1,988/mo
Today · 4.125%
HK$77,004
baseline
▲ 0.50% · 4.625%
HK$81,063
+HK$4,059/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,008/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,614
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$78,998
−HK$2,421/mo
Today · 4.125%
HK$81,419
baseline
▲ 0.50% · 4.625%
HK$86,373
+HK$4,954/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,838/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,233
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,519
−HK$2,319/mo
Today · 4.125%
HK$89,838
baseline
▲ 0.50% · 4.625%
HK$94,573
+HK$4,735/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,676/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,504
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,568
−HK$3,113/mo
Today · 4.125%
HK$104,681
baseline
▲ 0.50% · 4.625%
HK$111,051
+HK$6,370/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,362/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,585
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,524
−HK$2,982/mo
Today · 4.125%
HK$115,506
baseline
▲ 0.50% · 4.625%
HK$121,594
+HK$6,088/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,012/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,972 · Scale 2, in force from 26 Feb 2026)