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$54,721
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,423
−HK$1,729/mo
Today · 4.125%
HK$58,152
baseline
▲ 0.50% · 4.625%
HK$61,690
+HK$3,538/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,304/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,876
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,509
−HK$1,656/mo
Today · 4.125%
HK$64,165
baseline
▲ 0.50% · 4.625%
HK$67,547
+HK$3,382/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,330/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,665
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,707
−HK$2,075/mo
Today · 4.125%
HK$69,782
baseline
▲ 0.50% · 4.625%
HK$74,028
+HK$4,246/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,564/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,051
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,010
−HK$1,988/mo
Today · 4.125%
HK$76,998
baseline
▲ 0.50% · 4.625%
HK$81,057
+HK$4,059/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$153,996/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,609
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,992
−HK$2,421/mo
Today · 4.125%
HK$81,413
baseline
▲ 0.50% · 4.625%
HK$86,367
+HK$4,954/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,826/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,226
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,512
−HK$2,319/mo
Today · 4.125%
HK$89,831
baseline
▲ 0.50% · 4.625%
HK$94,566
+HK$4,735/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,662/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,497
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,561
−HK$3,113/mo
Today · 4.125%
HK$104,674
baseline
▲ 0.50% · 4.625%
HK$111,043
+HK$6,369/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,348/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,577
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,516
−HK$2,981/mo
Today · 4.125%
HK$115,497
baseline
▲ 0.50% · 4.625%
HK$121,585
+HK$6,088/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$230,994/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,895 · Scale 2, in force from 26 Feb 2026)