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$30,432
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,378
−HK$962/mo
Today · 4.125%
HK$32,340
baseline
▲ 0.50% · 4.625%
HK$34,308
+HK$1,968/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,680/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,855
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,763
−HK$921/mo
Today · 4.125%
HK$35,684
baseline
▲ 0.50% · 4.625%
HK$37,565
+HK$1,881/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,368/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,518
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,654
−HK$1,154/mo
Today · 4.125%
HK$38,808
baseline
▲ 0.50% · 4.625%
HK$41,170
+HK$2,362/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,616/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,626
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,716
−HK$1,105/mo
Today · 4.125%
HK$42,821
baseline
▲ 0.50% · 4.625%
HK$45,078
+HK$2,257/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,642/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,605
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,930
−HK$1,346/mo
Today · 4.125%
HK$45,276
baseline
▲ 0.50% · 4.625%
HK$48,031
+HK$2,755/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,552/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,397
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,668
−HK$1,290/mo
Today · 4.125%
HK$49,958
baseline
▲ 0.50% · 4.625%
HK$52,591
+HK$2,633/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,916/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,777
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,481
−HK$1,731/mo
Today · 4.125%
HK$58,212
baseline
▲ 0.50% · 4.625%
HK$61,754
+HK$3,542/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,424/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,939
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,574
−HK$1,658/mo
Today · 4.125%
HK$64,232
baseline
▲ 0.50% · 4.625%
HK$67,617
+HK$3,385/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,464/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,468 · Scale 2, in force from 26 Feb 2026)