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$30,413
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,359
−HK$961/mo
Today · 4.125%
HK$32,320
baseline
▲ 0.50% · 4.625%
HK$34,287
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,640/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,834
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,742
−HK$920/mo
Today · 4.125%
HK$35,662
baseline
▲ 0.50% · 4.625%
HK$37,542
+HK$1,880/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,324/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,496
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,631
−HK$1,154/mo
Today · 4.125%
HK$38,785
baseline
▲ 0.50% · 4.625%
HK$41,145
+HK$2,360/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$77,570/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,601
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,690
−HK$1,105/mo
Today · 4.125%
HK$42,795
baseline
▲ 0.50% · 4.625%
HK$45,051
+HK$2,256/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$85,590/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,579
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,903
−HK$1,346/mo
Today · 4.125%
HK$45,249
baseline
▲ 0.50% · 4.625%
HK$48,002
+HK$2,753/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,498/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,368
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,639
−HK$1,288/mo
Today · 4.125%
HK$49,927
baseline
▲ 0.50% · 4.625%
HK$52,559
+HK$2,632/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,854/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,744
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,447
−HK$1,730/mo
Today · 4.125%
HK$58,177
baseline
▲ 0.50% · 4.625%
HK$61,717
+HK$3,540/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,354/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,902
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,535
−HK$1,657/mo
Today · 4.125%
HK$64,192
baseline
▲ 0.50% · 4.625%
HK$67,576
+HK$3,384/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,384/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,163 · Scale 2, in force from 26 Feb 2026)