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$30,421
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,367
−HK$961/mo
Today · 4.125%
HK$32,328
baseline
▲ 0.50% · 4.625%
HK$34,295
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,656/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,843
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,750
−HK$921/mo
Today · 4.125%
HK$35,671
baseline
▲ 0.50% · 4.625%
HK$37,551
+HK$1,880/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,342/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,505
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,640
−HK$1,154/mo
Today · 4.125%
HK$38,794
baseline
▲ 0.50% · 4.625%
HK$41,154
+HK$2,360/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$77,588/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,611
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,700
−HK$1,105/mo
Today · 4.125%
HK$42,805
baseline
▲ 0.50% · 4.625%
HK$45,061
+HK$2,256/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$85,610/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,589
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,914
−HK$1,345/mo
Today · 4.125%
HK$45,259
baseline
▲ 0.50% · 4.625%
HK$48,013
+HK$2,754/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,518/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,380
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,650
−HK$1,289/mo
Today · 4.125%
HK$49,939
baseline
▲ 0.50% · 4.625%
HK$52,572
+HK$2,633/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,878/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,757
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,460
−HK$1,731/mo
Today · 4.125%
HK$58,191
baseline
▲ 0.50% · 4.625%
HK$61,732
+HK$3,541/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,382/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,917
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,550
−HK$1,658/mo
Today · 4.125%
HK$64,208
baseline
▲ 0.50% · 4.625%
HK$67,592
+HK$3,384/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,416/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,282 · Scale 2, in force from 26 Feb 2026)