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$54,713
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,414
−HK$1,730/mo
Today · 4.125%
HK$58,144
baseline
▲ 0.50% · 4.625%
HK$61,681
+HK$3,537/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,288/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,867
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,500
−HK$1,656/mo
Today · 4.125%
HK$64,156
baseline
▲ 0.50% · 4.625%
HK$67,537
+HK$3,381/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,312/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,747 · 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$74,018
+HK$4,246/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$1,019,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,041
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$75,000
−HK$1,987/mo
Today · 4.125%
HK$76,987
baseline
▲ 0.50% · 4.625%
HK$81,045
+HK$4,058/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$153,974/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,598
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,980
−HK$2,421/mo
Today · 4.125%
HK$81,401
baseline
▲ 0.50% · 4.625%
HK$86,354
+HK$4,953/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,802/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,214
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,499
−HK$2,319/mo
Today · 4.125%
HK$89,818
baseline
▲ 0.50% · 4.625%
HK$94,552
+HK$4,734/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,636/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,483
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,546
−HK$3,112/mo
Today · 4.125%
HK$104,658
baseline
▲ 0.50% · 4.625%
HK$111,027
+HK$6,369/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$1,019,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,561
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,499
−HK$2,981/mo
Today · 4.125%
HK$115,480
baseline
▲ 0.50% · 4.625%
HK$121,567
+HK$6,087/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,960/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,747 · Scale 2, in force from 26 Feb 2026)