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$30,405
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,351
−HK$961/mo
Today · 4.125%
HK$32,312
baseline
▲ 0.50% · 4.625%
HK$34,278
+HK$1,966/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,624/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,826
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,733
−HK$920/mo
Today · 4.125%
HK$35,653
baseline
▲ 0.50% · 4.625%
HK$37,533
+HK$1,880/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,306/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,487
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,622
−HK$1,153/mo
Today · 4.125%
HK$38,775
baseline
▲ 0.50% · 4.625%
HK$41,134
+HK$2,359/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,550/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,591
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,680
−HK$1,104/mo
Today · 4.125%
HK$42,784
baseline
▲ 0.50% · 4.625%
HK$45,039
+HK$2,255/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,568/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,568
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,892
−HK$1,345/mo
Today · 4.125%
HK$45,237
baseline
▲ 0.50% · 4.625%
HK$47,990
+HK$2,753/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,474/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,356
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,626
−HK$1,289/mo
Today · 4.125%
HK$49,915
baseline
▲ 0.50% · 4.625%
HK$52,546
+HK$2,631/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,830/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,730
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,432
−HK$1,730/mo
Today · 4.125%
HK$58,162
baseline
▲ 0.50% · 4.625%
HK$61,701
+HK$3,539/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,324/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,886
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,519
−HK$1,657/mo
Today · 4.125%
HK$64,176
baseline
▲ 0.50% · 4.625%
HK$67,559
+HK$3,383/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,352/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,035 · Scale 2, in force from 26 Feb 2026)