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$30,395
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,341
−HK$960/mo
Today · 4.125%
HK$32,301
baseline
▲ 0.50% · 4.625%
HK$34,267
+HK$1,966/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,602/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,814
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,721
−HK$920/mo
Today · 4.125%
HK$35,641
baseline
▲ 0.50% · 4.625%
HK$37,520
+HK$1,879/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,282/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,474
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,609
−HK$1,152/mo
Today · 4.125%
HK$38,761
baseline
▲ 0.50% · 4.625%
HK$41,120
+HK$2,359/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,522/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,577
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,665
−HK$1,104/mo
Today · 4.125%
HK$42,769
baseline
▲ 0.50% · 4.625%
HK$45,024
+HK$2,255/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,538/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,553
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,877
−HK$1,345/mo
Today · 4.125%
HK$45,222
baseline
▲ 0.50% · 4.625%
HK$47,973
+HK$2,751/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,444/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,340
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,610
−HK$1,288/mo
Today · 4.125%
HK$49,898
baseline
▲ 0.50% · 4.625%
HK$52,528
+HK$2,630/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,796/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,711
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,413
−HK$1,729/mo
Today · 4.125%
HK$58,142
baseline
▲ 0.50% · 4.625%
HK$61,680
+HK$3,538/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,284/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,866
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,498
−HK$1,656/mo
Today · 4.125%
HK$64,154
baseline
▲ 0.50% · 4.625%
HK$67,536
+HK$3,382/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,308/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,864 · Scale 2, in force from 26 Feb 2026)