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$30,366
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,310
−HK$960/mo
Today · 4.125%
HK$32,270
baseline
▲ 0.50% · 4.625%
HK$34,234
+HK$1,964/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,540/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,782
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,688
−HK$919/mo
Today · 4.125%
HK$35,607
baseline
▲ 0.50% · 4.625%
HK$37,484
+HK$1,877/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,214/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,439
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,572
−HK$1,152/mo
Today · 4.125%
HK$38,724
baseline
▲ 0.50% · 4.625%
HK$41,080
+HK$2,356/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,448/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,538
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,625
−HK$1,103/mo
Today · 4.125%
HK$42,728
baseline
▲ 0.50% · 4.625%
HK$44,980
+HK$2,252/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,456/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,512
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,834
−HK$1,344/mo
Today · 4.125%
HK$45,178
baseline
▲ 0.50% · 4.625%
HK$47,927
+HK$2,749/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$90,356/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,294
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,563
−HK$1,286/mo
Today · 4.125%
HK$49,849
baseline
▲ 0.50% · 4.625%
HK$52,477
+HK$2,628/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$99,698/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,658
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,359
−HK$1,727/mo
Today · 4.125%
HK$58,086
baseline
▲ 0.50% · 4.625%
HK$61,620
+HK$3,534/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,172/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,807
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,438
−HK$1,654/mo
Today · 4.125%
HK$64,092
baseline
▲ 0.50% · 4.625%
HK$67,470
+HK$3,378/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,184/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,381 · Scale 2, in force from 26 Feb 2026)