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$54,739
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,442
−HK$1,730/mo
Today · 4.125%
HK$58,172
baseline
▲ 0.50% · 4.625%
HK$61,712
+HK$3,540/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,344/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,897
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,530
−HK$1,657/mo
Today · 4.125%
HK$64,187
baseline
▲ 0.50% · 4.625%
HK$67,571
+HK$3,384/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,374/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,687
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,731
−HK$2,076/mo
Today · 4.125%
HK$69,807
baseline
▲ 0.50% · 4.625%
HK$74,054
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,614/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,077
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,036
−HK$1,989/mo
Today · 4.125%
HK$77,025
baseline
▲ 0.50% · 4.625%
HK$81,085
+HK$4,060/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,050/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,635
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$79,019
−HK$2,422/mo
Today · 4.125%
HK$81,441
baseline
▲ 0.50% · 4.625%
HK$86,396
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,882/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,256
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,543
−HK$2,319/mo
Today · 4.125%
HK$89,862
baseline
▲ 0.50% · 4.625%
HK$94,599
+HK$4,737/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,724/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,531
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,596
−HK$3,114/mo
Today · 4.125%
HK$104,710
baseline
▲ 0.50% · 4.625%
HK$111,081
+HK$6,371/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,420/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,615
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,555
−HK$2,982/mo
Today · 4.125%
HK$115,537
baseline
▲ 0.50% · 4.625%
HK$121,627
+HK$6,090/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,074/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,249 · Scale 2, in force from 26 Feb 2026)