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$30,418
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,364
−HK$962/mo
Today · 4.125%
HK$32,326
baseline
▲ 0.50% · 4.625%
HK$34,293
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,652/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,840
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,748
−HK$920/mo
Today · 4.125%
HK$35,668
baseline
▲ 0.50% · 4.625%
HK$37,548
+HK$1,880/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,336/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,502
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,637
−HK$1,154/mo
Today · 4.125%
HK$38,791
baseline
▲ 0.50% · 4.625%
HK$41,151
+HK$2,360/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$77,582/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,608
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,697
−HK$1,105/mo
Today · 4.125%
HK$42,802
baseline
▲ 0.50% · 4.625%
HK$45,058
+HK$2,256/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$85,604/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,586
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,910
−HK$1,346/mo
Today · 4.125%
HK$45,256
baseline
▲ 0.50% · 4.625%
HK$48,010
+HK$2,754/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,512/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,376
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,647
−HK$1,289/mo
Today · 4.125%
HK$49,936
baseline
▲ 0.50% · 4.625%
HK$52,568
+HK$2,632/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,872/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,753
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,456
−HK$1,730/mo
Today · 4.125%
HK$58,186
baseline
▲ 0.50% · 4.625%
HK$61,727
+HK$3,541/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,372/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,912
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,546
−HK$1,657/mo
Today · 4.125%
HK$64,203
baseline
▲ 0.50% · 4.625%
HK$67,587
+HK$3,384/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,406/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,245 · Scale 2, in force from 26 Feb 2026)