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$30,399
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,345
−HK$960/mo
Today · 4.125%
HK$32,305
baseline
▲ 0.50% · 4.625%
HK$34,271
+HK$1,966/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,610/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$499,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,819
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,726
−HK$920/mo
Today · 4.125%
HK$35,646
baseline
▲ 0.50% · 4.625%
HK$37,525
+HK$1,879/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,292/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$499,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,479
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,613
−HK$1,153/mo
Today · 4.125%
HK$38,766
baseline
▲ 0.50% · 4.625%
HK$41,125
+HK$2,359/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,532/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,582
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,671
−HK$1,104/mo
Today · 4.125%
HK$42,775
baseline
▲ 0.50% · 4.625%
HK$45,029
+HK$2,254/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,550/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,559
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,882
−HK$1,345/mo
Today · 4.125%
HK$45,227
baseline
▲ 0.50% · 4.625%
HK$47,979
+HK$2,752/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,454/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,346
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,616
−HK$1,288/mo
Today · 4.125%
HK$49,904
baseline
▲ 0.50% · 4.625%
HK$52,534
+HK$2,630/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,808/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,718
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,420
−HK$1,729/mo
Today · 4.125%
HK$58,149
baseline
▲ 0.50% · 4.625%
HK$61,688
+HK$3,539/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,298/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,873
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,506
−HK$1,656/mo
Today · 4.125%
HK$64,162
baseline
▲ 0.50% · 4.625%
HK$67,544
+HK$3,382/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,324/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,927 · Scale 2, in force from 26 Feb 2026)