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$34,286
+HK$1,966/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$500,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,834
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,741
−HK$921/mo
Today · 4.125%
HK$35,662
baseline
▲ 0.50% · 4.625%
HK$37,541
+HK$1,879/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$500,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,495
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,630
−HK$1,154/mo
Today · 4.125%
HK$38,784
baseline
▲ 0.50% · 4.625%
HK$41,144
+HK$2,360/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,568/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,600
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,689
−HK$1,105/mo
Today · 4.125%
HK$42,794
baseline
▲ 0.50% · 4.625%
HK$45,050
+HK$2,256/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,588/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,578
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,902
−HK$1,346/mo
Today · 4.125%
HK$45,248
baseline
▲ 0.50% · 4.625%
HK$48,001
+HK$2,753/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,496/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,367
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,637
−HK$1,289/mo
Today · 4.125%
HK$49,926
baseline
▲ 0.50% · 4.625%
HK$52,558
+HK$2,632/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,852/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,743
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,445
−HK$1,730/mo
Today · 4.125%
HK$58,175
baseline
▲ 0.50% · 4.625%
HK$61,715
+HK$3,540/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,350/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,901
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,534
−HK$1,657/mo
Today · 4.125%
HK$64,191
baseline
▲ 0.50% · 4.625%
HK$67,574
+HK$3,383/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,382/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,151 · Scale 2, in force from 26 Feb 2026)