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$54,718
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,420
−HK$1,729/mo
Today · 4.125%
HK$58,149
baseline
▲ 0.50% · 4.625%
HK$61,688
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,298/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,873
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,506
−HK$1,656/mo
Today · 4.125%
HK$64,162
baseline
▲ 0.50% · 4.625%
HK$67,544
+HK$3,382/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,324/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,019,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,662
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,704
−HK$2,075/mo
Today · 4.125%
HK$69,779
baseline
▲ 0.50% · 4.625%
HK$74,025
+HK$4,246/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,558/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,048
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,007
−HK$1,988/mo
Today · 4.125%
HK$76,995
baseline
▲ 0.50% · 4.625%
HK$81,053
+HK$4,058/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$153,990/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,019,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,605
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$78,988
−HK$2,421/mo
Today · 4.125%
HK$81,409
baseline
▲ 0.50% · 4.625%
HK$86,363
+HK$4,954/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,818/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,223
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,508
−HK$2,319/mo
Today · 4.125%
HK$89,827
baseline
▲ 0.50% · 4.625%
HK$94,562
+HK$4,735/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,654/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,493
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,556
−HK$3,113/mo
Today · 4.125%
HK$104,669
baseline
▲ 0.50% · 4.625%
HK$111,038
+HK$6,369/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,338/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,572
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,511
−HK$2,981/mo
Today · 4.125%
HK$115,492
baseline
▲ 0.50% · 4.625%
HK$121,580
+HK$6,088/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$230,984/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,851 · Scale 2, in force from 26 Feb 2026)