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$30,406
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,352
−HK$961/mo
Today · 4.125%
HK$32,313
baseline
▲ 0.50% · 4.625%
HK$34,279
+HK$1,966/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,626/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,826
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,733
−HK$921/mo
Today · 4.125%
HK$35,654
baseline
▲ 0.50% · 4.625%
HK$37,533
+HK$1,879/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,308/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,487
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,622
−HK$1,153/mo
Today · 4.125%
HK$38,775
baseline
▲ 0.50% · 4.625%
HK$41,134
+HK$2,359/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,550/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,591
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,680
−HK$1,104/mo
Today · 4.125%
HK$42,784
baseline
▲ 0.50% · 4.625%
HK$45,040
+HK$2,256/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,568/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,568
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,892
−HK$1,346/mo
Today · 4.125%
HK$45,238
baseline
▲ 0.50% · 4.625%
HK$47,990
+HK$2,752/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,476/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,357
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,627
−HK$1,288/mo
Today · 4.125%
HK$49,915
baseline
▲ 0.50% · 4.625%
HK$52,546
+HK$2,631/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,830/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,730
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,433
−HK$1,730/mo
Today · 4.125%
HK$58,163
baseline
▲ 0.50% · 4.625%
HK$61,702
+HK$3,539/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,326/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,887
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,520
−HK$1,657/mo
Today · 4.125%
HK$64,177
baseline
▲ 0.50% · 4.625%
HK$67,559
+HK$3,382/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,354/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,040 · Scale 2, in force from 26 Feb 2026)