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$30,411
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,357
−HK$961/mo
Today · 4.125%
HK$32,318
baseline
▲ 0.50% · 4.625%
HK$34,285
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,636/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,832
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,740
−HK$920/mo
Today · 4.125%
HK$35,660
baseline
▲ 0.50% · 4.625%
HK$37,540
+HK$1,880/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,320/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,494
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,629
−HK$1,153/mo
Today · 4.125%
HK$38,782
baseline
▲ 0.50% · 4.625%
HK$41,142
+HK$2,360/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,564/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,599
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,688
−HK$1,104/mo
Today · 4.125%
HK$42,792
baseline
▲ 0.50% · 4.625%
HK$45,048
+HK$2,256/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,584/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,576
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,900
−HK$1,346/mo
Today · 4.125%
HK$45,246
baseline
▲ 0.50% · 4.625%
HK$47,999
+HK$2,753/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,492/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,365
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,636
−HK$1,288/mo
Today · 4.125%
HK$49,924
baseline
▲ 0.50% · 4.625%
HK$52,556
+HK$2,632/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,848/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,741
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,443
−HK$1,730/mo
Today · 4.125%
HK$58,173
baseline
▲ 0.50% · 4.625%
HK$61,713
+HK$3,540/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,346/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,898
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,532
−HK$1,656/mo
Today · 4.125%
HK$64,188
baseline
▲ 0.50% · 4.625%
HK$67,572
+HK$3,384/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,376/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,132 · Scale 2, in force from 26 Feb 2026)