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$30,401
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,347
−HK$961/mo
Today · 4.125%
HK$32,308
baseline
▲ 0.50% · 4.625%
HK$34,274
+HK$1,966/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,616/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$499,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,821
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,728
−HK$921/mo
Today · 4.125%
HK$35,649
baseline
▲ 0.50% · 4.625%
HK$37,528
+HK$1,879/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,298/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$499,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,482
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,617
−HK$1,152/mo
Today · 4.125%
HK$38,769
baseline
▲ 0.50% · 4.625%
HK$41,128
+HK$2,359/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,538/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,586
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,674
−HK$1,104/mo
Today · 4.125%
HK$42,778
baseline
▲ 0.50% · 4.625%
HK$45,033
+HK$2,255/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,556/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,562
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,886
−HK$1,345/mo
Today · 4.125%
HK$45,231
baseline
▲ 0.50% · 4.625%
HK$47,983
+HK$2,752/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,462/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,350
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,620
−HK$1,288/mo
Today · 4.125%
HK$49,908
baseline
▲ 0.50% · 4.625%
HK$52,539
+HK$2,631/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,816/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,723
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,425
−HK$1,729/mo
Today · 4.125%
HK$58,154
baseline
▲ 0.50% · 4.625%
HK$61,693
+HK$3,539/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,308/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,878
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,511
−HK$1,656/mo
Today · 4.125%
HK$64,167
baseline
▲ 0.50% · 4.625%
HK$67,550
+HK$3,383/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,334/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,968 · Scale 2, in force from 26 Feb 2026)