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$30,416
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,362
−HK$961/mo
Today · 4.125%
HK$32,323
baseline
▲ 0.50% · 4.625%
HK$34,290
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,646/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,837
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,745
−HK$920/mo
Today · 4.125%
HK$35,665
baseline
▲ 0.50% · 4.625%
HK$37,545
+HK$1,880/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,330/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,499
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,634
−HK$1,154/mo
Today · 4.125%
HK$38,788
baseline
▲ 0.50% · 4.625%
HK$41,148
+HK$2,360/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$77,576/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,605
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,694
−HK$1,105/mo
Today · 4.125%
HK$42,799
baseline
▲ 0.50% · 4.625%
HK$45,055
+HK$2,256/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$85,598/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,582
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,907
−HK$1,346/mo
Today · 4.125%
HK$45,253
baseline
▲ 0.50% · 4.625%
HK$48,006
+HK$2,753/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,506/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,372
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,643
−HK$1,289/mo
Today · 4.125%
HK$49,932
baseline
▲ 0.50% · 4.625%
HK$52,564
+HK$2,632/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,864/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,749
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,452
−HK$1,730/mo
Today · 4.125%
HK$58,182
baseline
▲ 0.50% · 4.625%
HK$61,722
+HK$3,540/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,364/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,907
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,541
−HK$1,657/mo
Today · 4.125%
HK$64,198
baseline
▲ 0.50% · 4.625%
HK$67,582
+HK$3,384/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,396/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,205 · Scale 2, in force from 26 Feb 2026)