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$54,707
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,409
−HK$1,729/mo
Today · 4.125%
HK$58,138
baseline
▲ 0.50% · 4.625%
HK$61,675
+HK$3,537/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,276/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,861
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,493
−HK$1,656/mo
Today · 4.125%
HK$64,149
baseline
▲ 0.50% · 4.625%
HK$67,531
+HK$3,382/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,298/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,649
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,691
−HK$2,074/mo
Today · 4.125%
HK$69,765
baseline
▲ 0.50% · 4.625%
HK$74,010
+HK$4,245/mo
Deposit HK$9.60M · loan HK$14.39M · min. income ≈ HK$139,530/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,033
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,992
−HK$1,987/mo
Today · 4.125%
HK$76,979
baseline
▲ 0.50% · 4.625%
HK$81,037
+HK$4,058/mo
Deposit HK$9.60M · loan HK$14.39M · min. income ≈ HK$153,958/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,590
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,972
−HK$2,421/mo
Today · 4.125%
HK$81,393
baseline
▲ 0.50% · 4.625%
HK$86,345
+HK$4,952/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,786/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,206
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,491
−HK$2,318/mo
Today · 4.125%
HK$89,809
baseline
▲ 0.50% · 4.625%
HK$94,543
+HK$4,734/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,618/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,473
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,536
−HK$3,112/mo
Today · 4.125%
HK$104,648
baseline
▲ 0.50% · 4.625%
HK$111,015
+HK$6,367/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,296/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,550
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,488
−HK$2,981/mo
Today · 4.125%
HK$115,469
baseline
▲ 0.50% · 4.625%
HK$121,555
+HK$6,086/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,938/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,645 · Scale 2, in force from 26 Feb 2026)