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$30,379
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,324
−HK$960/mo
Today · 4.125%
HK$32,284
baseline
▲ 0.50% · 4.625%
HK$34,248
+HK$1,964/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,568/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,796
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,703
−HK$919/mo
Today · 4.125%
HK$35,622
baseline
▲ 0.50% · 4.625%
HK$37,500
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,244/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,455
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,589
−HK$1,152/mo
Today · 4.125%
HK$38,741
baseline
▲ 0.50% · 4.625%
HK$41,098
+HK$2,357/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,482/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,556
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,643
−HK$1,104/mo
Today · 4.125%
HK$42,747
baseline
▲ 0.50% · 4.625%
HK$45,000
+HK$2,253/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,494/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,531
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,854
−HK$1,344/mo
Today · 4.125%
HK$45,198
baseline
▲ 0.50% · 4.625%
HK$47,948
+HK$2,750/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,396/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,315
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,584
−HK$1,287/mo
Today · 4.125%
HK$49,871
baseline
▲ 0.50% · 4.625%
HK$52,500
+HK$2,629/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,742/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,682
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,383
−HK$1,728/mo
Today · 4.125%
HK$58,111
baseline
▲ 0.50% · 4.625%
HK$61,647
+HK$3,536/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,222/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,833
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,465
−HK$1,655/mo
Today · 4.125%
HK$64,120
baseline
▲ 0.50% · 4.625%
HK$67,500
+HK$3,380/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,240/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,599 · Scale 2, in force from 26 Feb 2026)