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$30,430
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,376
−HK$962/mo
Today · 4.125%
HK$32,338
baseline
▲ 0.50% · 4.625%
HK$34,306
+HK$1,968/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,676/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,853
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,761
−HK$921/mo
Today · 4.125%
HK$35,682
baseline
▲ 0.50% · 4.625%
HK$37,562
+HK$1,880/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,364/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,516
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,651
−HK$1,154/mo
Today · 4.125%
HK$38,805
baseline
▲ 0.50% · 4.625%
HK$41,167
+HK$2,362/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,610/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,623
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,713
−HK$1,105/mo
Today · 4.125%
HK$42,818
baseline
▲ 0.50% · 4.625%
HK$45,075
+HK$2,257/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,636/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,602
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,927
−HK$1,346/mo
Today · 4.125%
HK$45,273
baseline
▲ 0.50% · 4.625%
HK$48,028
+HK$2,755/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,546/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,394
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,665
−HK$1,289/mo
Today · 4.125%
HK$49,954
baseline
▲ 0.50% · 4.625%
HK$52,587
+HK$2,633/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,908/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,773
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,477
−HK$1,731/mo
Today · 4.125%
HK$58,208
baseline
▲ 0.50% · 4.625%
HK$61,750
+HK$3,542/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,416/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,935
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,569
−HK$1,658/mo
Today · 4.125%
HK$64,227
baseline
▲ 0.50% · 4.625%
HK$67,612
+HK$3,385/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,454/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,432 · Scale 2, in force from 26 Feb 2026)