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$54,734
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,436
−HK$1,730/mo
Today · 4.125%
HK$58,166
baseline
▲ 0.50% · 4.625%
HK$61,705
+HK$3,539/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$116,332/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,891
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,524
−HK$1,656/mo
Today · 4.125%
HK$64,180
baseline
▲ 0.50% · 4.625%
HK$67,563
+HK$3,383/mo
Deposit HK$12.00M · loan HK$12.00M · min. income ≈ HK$128,360/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,020,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,680
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,723
−HK$2,076/mo
Today · 4.125%
HK$69,799
baseline
▲ 0.50% · 4.625%
HK$74,046
+HK$4,247/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$139,598/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,069
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,028
−HK$1,988/mo
Today · 4.125%
HK$77,016
baseline
▲ 0.50% · 4.625%
HK$81,076
+HK$4,060/mo
Deposit HK$9.60M · loan HK$14.40M · min. income ≈ HK$154,032/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,020,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,627
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,011
−HK$2,421/mo
Today · 4.125%
HK$81,432
baseline
▲ 0.50% · 4.625%
HK$86,387
+HK$4,955/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$162,864/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,247
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$87,533
−HK$2,319/mo
Today · 4.125%
HK$89,852
baseline
▲ 0.50% · 4.625%
HK$94,589
+HK$4,737/mo
Deposit HK$7.20M · loan HK$16.80M · min. income ≈ HK$179,704/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,520
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,585
−HK$3,114/mo
Today · 4.125%
HK$104,699
baseline
▲ 0.50% · 4.625%
HK$111,069
+HK$6,370/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$209,398/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,603
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,543
−HK$2,982/mo
Today · 4.125%
HK$115,525
baseline
▲ 0.50% · 4.625%
HK$121,614
+HK$6,089/mo
Deposit HK$2.40M · loan HK$21.60M · min. income ≈ HK$231,050/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,139 · Scale 2, in force from 26 Feb 2026)