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$1,906/mo
▼ 0.25% · 3.875%
HK$31,351
−HK$960/mo
Today · 4.125%
HK$32,311
baseline
▲ 0.50% · 4.625%
HK$34,278
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,622/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,825
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,732
−HK$921/mo
Today · 4.125%
HK$35,653
baseline
▲ 0.50% · 4.625%
HK$37,532
+HK$1,879/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$500,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,486
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,621
−HK$1,153/mo
Today · 4.125%
HK$38,774
baseline
▲ 0.50% · 4.625%
HK$41,133
+HK$2,359/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,548/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,590
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,679
−HK$1,104/mo
Today · 4.125%
HK$42,783
baseline
▲ 0.50% · 4.625%
HK$45,038
+HK$2,255/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,566/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,567
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,891
−HK$1,345/mo
Today · 4.125%
HK$45,236
baseline
▲ 0.50% · 4.625%
HK$47,989
+HK$2,753/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,472/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,355
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,625
−HK$1,289/mo
Today · 4.125%
HK$49,914
baseline
▲ 0.50% · 4.625%
HK$52,545
+HK$2,631/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,828/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,729
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,431
−HK$1,730/mo
Today · 4.125%
HK$58,161
baseline
▲ 0.50% · 4.625%
HK$61,700
+HK$3,539/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,322/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,885
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,518
−HK$1,657/mo
Today · 4.125%
HK$64,175
baseline
▲ 0.50% · 4.625%
HK$67,557
+HK$3,382/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,350/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,024 · Scale 2, in force from 26 Feb 2026)