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$500,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,827
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,734
−HK$920/mo
Today · 4.125%
HK$35,654
baseline
▲ 0.50% · 4.625%
HK$37,534
+HK$1,880/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$500,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,488
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,623
−HK$1,153/mo
Today · 4.125%
HK$38,776
baseline
▲ 0.50% · 4.625%
HK$41,135
+HK$2,359/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,552/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,592
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,681
−HK$1,104/mo
Today · 4.125%
HK$42,785
baseline
▲ 0.50% · 4.625%
HK$45,040
+HK$2,255/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,570/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,569
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,893
−HK$1,345/mo
Today · 4.125%
HK$45,238
baseline
▲ 0.50% · 4.625%
HK$47,991
+HK$2,753/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$500,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,357
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,627
−HK$1,289/mo
Today · 4.125%
HK$49,916
baseline
▲ 0.50% · 4.625%
HK$52,547
+HK$2,631/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,832/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,731
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,434
−HK$1,729/mo
Today · 4.125%
HK$58,163
baseline
▲ 0.50% · 4.625%
HK$61,703
+HK$3,540/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$500,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,888
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,521
−HK$1,657/mo
Today · 4.125%
HK$64,178
baseline
▲ 0.50% · 4.625%
HK$67,561
+HK$3,383/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,356/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,048 · Scale 2, in force from 26 Feb 2026)