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$30,402
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,348
−HK$960/mo
Today · 4.125%
HK$32,308
baseline
▲ 0.50% · 4.625%
HK$34,274
+HK$1,966/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,616/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$499,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,822
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,729
−HK$920/mo
Today · 4.125%
HK$35,649
baseline
▲ 0.50% · 4.625%
HK$37,528
+HK$1,879/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,298/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$499,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,482
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,617
−HK$1,153/mo
Today · 4.125%
HK$38,770
baseline
▲ 0.50% · 4.625%
HK$41,129
+HK$2,359/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,540/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,586
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,675
−HK$1,104/mo
Today · 4.125%
HK$42,779
baseline
▲ 0.50% · 4.625%
HK$45,034
+HK$2,255/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,558/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,563
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,887
−HK$1,345/mo
Today · 4.125%
HK$45,232
baseline
▲ 0.50% · 4.625%
HK$47,984
+HK$2,752/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,464/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,351
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,621
−HK$1,288/mo
Today · 4.125%
HK$49,909
baseline
▲ 0.50% · 4.625%
HK$52,540
+HK$2,631/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,818/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,724
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,426
−HK$1,729/mo
Today · 4.125%
HK$58,155
baseline
▲ 0.50% · 4.625%
HK$61,694
+HK$3,539/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,310/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,879
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,512
−HK$1,657/mo
Today · 4.125%
HK$64,169
baseline
▲ 0.50% · 4.625%
HK$67,551
+HK$3,382/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,338/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,977 · Scale 2, in force from 26 Feb 2026)