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$30,391
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,336
−HK$960/mo
Today · 4.125%
HK$32,296
baseline
▲ 0.50% · 4.625%
HK$34,261
+HK$1,965/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,592/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,809
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,716
−HK$920/mo
Today · 4.125%
HK$35,636
baseline
▲ 0.50% · 4.625%
HK$37,514
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,272/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,469
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,603
−HK$1,153/mo
Today · 4.125%
HK$38,756
baseline
▲ 0.50% · 4.625%
HK$41,114
+HK$2,358/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,512/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,571
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,659
−HK$1,104/mo
Today · 4.125%
HK$42,763
baseline
▲ 0.50% · 4.625%
HK$45,017
+HK$2,254/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,526/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,547
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,870
−HK$1,345/mo
Today · 4.125%
HK$45,215
baseline
▲ 0.50% · 4.625%
HK$47,966
+HK$2,751/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,430/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,333
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,602
−HK$1,288/mo
Today · 4.125%
HK$49,890
baseline
▲ 0.50% · 4.625%
HK$52,520
+HK$2,630/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,780/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,703
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,405
−HK$1,728/mo
Today · 4.125%
HK$58,133
baseline
▲ 0.50% · 4.625%
HK$61,671
+HK$3,538/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,266/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,857
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,489
−HK$1,655/mo
Today · 4.125%
HK$64,144
baseline
▲ 0.50% · 4.625%
HK$67,526
+HK$3,382/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,288/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,789 · Scale 2, in force from 26 Feb 2026)