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$54,737
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,439
−HK$1,730/mo
Today · 4.125%
HK$58,169
baseline
▲ 0.50% · 4.625%
HK$61,709
+HK$3,540/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,338/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,894
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,527
−HK$1,657/mo
Today · 4.125%
HK$64,184
baseline
▲ 0.50% · 4.625%
HK$67,567
+HK$3,383/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,368/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,684
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,727
−HK$2,076/mo
Today · 4.125%
HK$69,803
baseline
▲ 0.50% · 4.625%
HK$74,050
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,606/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,073
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,033
−HK$1,988/mo
Today · 4.125%
HK$77,021
baseline
▲ 0.50% · 4.625%
HK$81,081
+HK$4,060/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,042/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,631
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,015
−HK$2,422/mo
Today · 4.125%
HK$81,437
baseline
▲ 0.50% · 4.625%
HK$86,392
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,874/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,252
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,538
−HK$2,320/mo
Today · 4.125%
HK$89,858
baseline
▲ 0.50% · 4.625%
HK$94,594
+HK$4,736/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,716/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,526
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,591
−HK$3,114/mo
Today · 4.125%
HK$104,705
baseline
▲ 0.50% · 4.625%
HK$111,076
+HK$6,371/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,410/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,609
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,549
−HK$2,982/mo
Today · 4.125%
HK$115,531
baseline
▲ 0.50% · 4.625%
HK$121,621
+HK$6,090/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,062/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,198 · Scale 2, in force from 26 Feb 2026)