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$30,404
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,350
−HK$961/mo
Today · 4.125%
HK$32,311
baseline
▲ 0.50% · 4.625%
HK$34,277
+HK$1,966/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$500,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,824
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,731
−HK$921/mo
Today · 4.125%
HK$35,652
baseline
▲ 0.50% · 4.625%
HK$37,531
+HK$1,879/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,304/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,485
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,620
−HK$1,153/mo
Today · 4.125%
HK$38,773
baseline
▲ 0.50% · 4.625%
HK$41,132
+HK$2,359/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,546/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,589
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,678
−HK$1,104/mo
Today · 4.125%
HK$42,782
baseline
▲ 0.50% · 4.625%
HK$45,037
+HK$2,255/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,564/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$500,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,566
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,890
−HK$1,345/mo
Today · 4.125%
HK$45,235
baseline
▲ 0.50% · 4.625%
HK$47,987
+HK$2,752/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,470/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,354
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,624
−HK$1,288/mo
Today · 4.125%
HK$49,912
baseline
▲ 0.50% · 4.625%
HK$52,543
+HK$2,631/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,824/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,727
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,429
−HK$1,730/mo
Today · 4.125%
HK$58,159
baseline
▲ 0.50% · 4.625%
HK$61,698
+HK$3,539/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$116,318/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,883
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,516
−HK$1,657/mo
Today · 4.125%
HK$64,173
baseline
▲ 0.50% · 4.625%
HK$67,555
+HK$3,382/mo
Deposit HK$1.33M · loan HK$12.00M · min. income ≈ HK$128,346/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,010 · Scale 2, in force from 26 Feb 2026)