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$30,440
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,387
−HK$961/mo
Today · 4.125%
HK$32,348
baseline
▲ 0.50% · 4.625%
HK$34,317
+HK$1,969/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,696/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,864
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,772
−HK$921/mo
Today · 4.125%
HK$35,693
baseline
▲ 0.50% · 4.625%
HK$37,575
+HK$1,882/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,386/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,528
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,664
−HK$1,154/mo
Today · 4.125%
HK$38,818
baseline
▲ 0.50% · 4.625%
HK$41,180
+HK$2,362/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,636/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,637
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,726
−HK$1,106/mo
Today · 4.125%
HK$42,832
baseline
▲ 0.50% · 4.625%
HK$45,090
+HK$2,258/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,664/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,616
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,941
−HK$1,347/mo
Today · 4.125%
HK$45,288
baseline
▲ 0.50% · 4.625%
HK$48,044
+HK$2,756/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,576/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,409
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,681
−HK$1,290/mo
Today · 4.125%
HK$49,971
baseline
▲ 0.50% · 4.625%
HK$52,605
+HK$2,634/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,942/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,791
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,496
−HK$1,731/mo
Today · 4.125%
HK$58,227
baseline
▲ 0.50% · 4.625%
HK$61,770
+HK$3,543/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,454/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,955
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,590
−HK$1,658/mo
Today · 4.125%
HK$64,248
baseline
▲ 0.50% · 4.625%
HK$67,635
+HK$3,387/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,496/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,596 · Scale 2, in force from 26 Feb 2026)