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$30,392
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,338
−HK$960/mo
Today · 4.125%
HK$32,298
baseline
▲ 0.50% · 4.625%
HK$34,264
+HK$1,966/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,596/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,811
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,718
−HK$920/mo
Today · 4.125%
HK$35,638
baseline
▲ 0.50% · 4.625%
HK$37,516
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,276/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,471
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,605
−HK$1,153/mo
Today · 4.125%
HK$38,758
baseline
▲ 0.50% · 4.625%
HK$41,116
+HK$2,358/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,516/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,573
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,662
−HK$1,103/mo
Today · 4.125%
HK$42,765
baseline
▲ 0.50% · 4.625%
HK$45,020
+HK$2,255/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,530/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,549
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,873
−HK$1,345/mo
Today · 4.125%
HK$45,218
baseline
▲ 0.50% · 4.625%
HK$47,969
+HK$2,751/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,436/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,336
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,605
−HK$1,288/mo
Today · 4.125%
HK$49,893
baseline
▲ 0.50% · 4.625%
HK$52,523
+HK$2,630/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,786/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,706
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,408
−HK$1,729/mo
Today · 4.125%
HK$58,137
baseline
▲ 0.50% · 4.625%
HK$61,674
+HK$3,537/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,274/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,860
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,492
−HK$1,656/mo
Today · 4.125%
HK$64,148
baseline
▲ 0.50% · 4.625%
HK$67,530
+HK$3,382/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,296/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,819 · Scale 2, in force from 26 Feb 2026)