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$30,386
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,331
−HK$960/mo
Today · 4.125%
HK$32,291
baseline
▲ 0.50% · 4.625%
HK$34,256
+HK$1,965/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,582/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,804
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,711
−HK$919/mo
Today · 4.125%
HK$35,630
baseline
▲ 0.50% · 4.625%
HK$37,508
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,260/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,463
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,597
−HK$1,153/mo
Today · 4.125%
HK$38,750
baseline
▲ 0.50% · 4.625%
HK$41,107
+HK$2,357/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,500/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,565
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,653
−HK$1,103/mo
Today · 4.125%
HK$42,756
baseline
▲ 0.50% · 4.625%
HK$45,010
+HK$2,254/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,512/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,540
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,863
−HK$1,345/mo
Today · 4.125%
HK$45,208
baseline
▲ 0.50% · 4.625%
HK$47,959
+HK$2,751/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,416/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,326
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,595
−HK$1,287/mo
Today · 4.125%
HK$49,882
baseline
▲ 0.50% · 4.625%
HK$52,512
+HK$2,630/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,764/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,695
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,396
−HK$1,728/mo
Today · 4.125%
HK$58,124
baseline
▲ 0.50% · 4.625%
HK$61,661
+HK$3,537/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,248/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,847
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,479
−HK$1,655/mo
Today · 4.125%
HK$64,134
baseline
▲ 0.50% · 4.625%
HK$67,515
+HK$3,381/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,268/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,711 · Scale 2, in force from 26 Feb 2026)