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$30,414
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,360
−HK$962/mo
Today · 4.125%
HK$32,322
baseline
▲ 0.50% · 4.625%
HK$34,288
+HK$1,966/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,644/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,836
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,743
−HK$921/mo
Today · 4.125%
HK$35,664
baseline
▲ 0.50% · 4.625%
HK$37,544
+HK$1,880/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,328/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,497
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,632
−HK$1,154/mo
Today · 4.125%
HK$38,786
baseline
▲ 0.50% · 4.625%
HK$41,146
+HK$2,360/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$77,572/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,603
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,692
−HK$1,104/mo
Today · 4.125%
HK$42,796
baseline
▲ 0.50% · 4.625%
HK$45,052
+HK$2,256/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$85,592/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,580
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,905
−HK$1,345/mo
Today · 4.125%
HK$45,250
baseline
▲ 0.50% · 4.625%
HK$48,004
+HK$2,754/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,500/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,370
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,640
−HK$1,289/mo
Today · 4.125%
HK$49,929
baseline
▲ 0.50% · 4.625%
HK$52,561
+HK$2,632/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,858/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,746
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,449
−HK$1,730/mo
Today · 4.125%
HK$58,179
baseline
▲ 0.50% · 4.625%
HK$61,719
+HK$3,540/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,358/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,904
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,538
−HK$1,657/mo
Today · 4.125%
HK$64,195
baseline
▲ 0.50% · 4.625%
HK$67,578
+HK$3,383/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,390/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,180 · Scale 2, in force from 26 Feb 2026)