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$30,388
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,333
−HK$961/mo
Today · 4.125%
HK$32,294
baseline
▲ 0.50% · 4.625%
HK$34,259
+HK$1,965/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,588/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,806
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,713
−HK$920/mo
Today · 4.125%
HK$35,633
baseline
▲ 0.50% · 4.625%
HK$37,511
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,266/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,466
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,600
−HK$1,152/mo
Today · 4.125%
HK$38,752
baseline
▲ 0.50% · 4.625%
HK$41,110
+HK$2,358/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,504/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,568
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,656
−HK$1,104/mo
Today · 4.125%
HK$42,760
baseline
▲ 0.50% · 4.625%
HK$45,013
+HK$2,253/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,520/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,543
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,867
−HK$1,344/mo
Today · 4.125%
HK$45,211
baseline
▲ 0.50% · 4.625%
HK$47,962
+HK$2,751/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,422/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,329
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,598
−HK$1,288/mo
Today · 4.125%
HK$49,886
baseline
▲ 0.50% · 4.625%
HK$52,516
+HK$2,630/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,772/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,699
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,400
−HK$1,729/mo
Today · 4.125%
HK$58,129
baseline
▲ 0.50% · 4.625%
HK$61,666
+HK$3,537/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,258/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,852
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,484
−HK$1,655/mo
Today · 4.125%
HK$64,139
baseline
▲ 0.50% · 4.625%
HK$67,520
+HK$3,381/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,278/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,749 · Scale 2, in force from 26 Feb 2026)