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$30,396
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,341
−HK$961/mo
Today · 4.125%
HK$32,302
baseline
▲ 0.50% · 4.625%
HK$34,267
+HK$1,965/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,604/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,815
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,722
−HK$920/mo
Today · 4.125%
HK$35,642
baseline
▲ 0.50% · 4.625%
HK$37,520
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,284/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,475
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,609
−HK$1,153/mo
Today · 4.125%
HK$38,762
baseline
▲ 0.50% · 4.625%
HK$41,120
+HK$2,358/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,524/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,578
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,666
−HK$1,104/mo
Today · 4.125%
HK$42,770
baseline
▲ 0.50% · 4.625%
HK$45,024
+HK$2,254/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,540/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,554
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,877
−HK$1,345/mo
Today · 4.125%
HK$45,222
baseline
▲ 0.50% · 4.625%
HK$47,974
+HK$2,752/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,444/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,341
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,610
−HK$1,288/mo
Today · 4.125%
HK$49,898
baseline
▲ 0.50% · 4.625%
HK$52,528
+HK$2,630/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,796/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,712
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,414
−HK$1,729/mo
Today · 4.125%
HK$58,143
baseline
▲ 0.50% · 4.625%
HK$61,681
+HK$3,538/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,286/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,867
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,499
−HK$1,656/mo
Today · 4.125%
HK$64,155
baseline
▲ 0.50% · 4.625%
HK$67,537
+HK$3,382/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,310/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,871 · Scale 2, in force from 26 Feb 2026)