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$54,714
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,416
−HK$1,729/mo
Today · 4.125%
HK$58,145
baseline
▲ 0.50% · 4.625%
HK$61,683
+HK$3,538/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,290/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,869
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,501
−HK$1,657/mo
Today · 4.125%
HK$64,158
baseline
▲ 0.50% · 4.625%
HK$67,539
+HK$3,381/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,316/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,657
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,699
−HK$2,075/mo
Today · 4.125%
HK$69,774
baseline
▲ 0.50% · 4.625%
HK$74,020
+HK$4,246/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,548/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,043
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$75,002
−HK$1,987/mo
Today · 4.125%
HK$76,989
baseline
▲ 0.50% · 4.625%
HK$81,047
+HK$4,058/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$153,978/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,600
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,983
−HK$2,420/mo
Today · 4.125%
HK$81,403
baseline
▲ 0.50% · 4.625%
HK$86,357
+HK$4,954/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,806/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,217
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,502
−HK$2,319/mo
Today · 4.125%
HK$89,821
baseline
▲ 0.50% · 4.625%
HK$94,555
+HK$4,734/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,642/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,486
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,549
−HK$3,112/mo
Today · 4.125%
HK$104,661
baseline
▲ 0.50% · 4.625%
HK$111,030
+HK$6,369/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,322/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,564
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,503
−HK$2,981/mo
Today · 4.125%
HK$115,484
baseline
▲ 0.50% · 4.625%
HK$121,571
+HK$6,087/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$230,968/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,778 · Scale 2, in force from 26 Feb 2026)