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$30,409
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,355
−HK$961/mo
Today · 4.125%
HK$32,316
baseline
▲ 0.50% · 4.625%
HK$34,282
+HK$1,966/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,632/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,829
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,737
−HK$920/mo
Today · 4.125%
HK$35,657
baseline
▲ 0.50% · 4.625%
HK$37,537
+HK$1,880/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,314/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,490
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,626
−HK$1,153/mo
Today · 4.125%
HK$38,779
baseline
▲ 0.50% · 4.625%
HK$41,138
+HK$2,359/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,558/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,595
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,684
−HK$1,104/mo
Today · 4.125%
HK$42,788
baseline
▲ 0.50% · 4.625%
HK$45,044
+HK$2,256/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,576/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,572
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,896
−HK$1,346/mo
Today · 4.125%
HK$45,242
baseline
▲ 0.50% · 4.625%
HK$47,995
+HK$2,753/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,484/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,361
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,631
−HK$1,289/mo
Today · 4.125%
HK$49,920
baseline
▲ 0.50% · 4.625%
HK$52,551
+HK$2,631/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,840/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,736
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,438
−HK$1,730/mo
Today · 4.125%
HK$58,168
baseline
▲ 0.50% · 4.625%
HK$61,707
+HK$3,539/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,336/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,893
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,526
−HK$1,657/mo
Today · 4.125%
HK$64,183
baseline
▲ 0.50% · 4.625%
HK$67,566
+HK$3,383/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,366/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,087 · Scale 2, in force from 26 Feb 2026)