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$30,384
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,329
−HK$960/mo
Today · 4.125%
HK$32,289
baseline
▲ 0.50% · 4.625%
HK$34,254
+HK$1,965/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,578/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,802
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,708
−HK$920/mo
Today · 4.125%
HK$35,628
baseline
▲ 0.50% · 4.625%
HK$37,506
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,256/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,460
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,595
−HK$1,152/mo
Today · 4.125%
HK$38,747
baseline
▲ 0.50% · 4.625%
HK$41,105
+HK$2,358/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,494/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,562
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,650
−HK$1,103/mo
Today · 4.125%
HK$42,753
baseline
▲ 0.50% · 4.625%
HK$45,007
+HK$2,254/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,506/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,537
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,860
−HK$1,345/mo
Today · 4.125%
HK$45,205
baseline
▲ 0.50% · 4.625%
HK$47,955
+HK$2,750/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,410/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,322
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,591
−HK$1,288/mo
Today · 4.125%
HK$49,879
baseline
▲ 0.50% · 4.625%
HK$52,508
+HK$2,629/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,758/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,691
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,392
−HK$1,728/mo
Today · 4.125%
HK$58,120
baseline
▲ 0.50% · 4.625%
HK$61,657
+HK$3,537/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,240/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,843
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,475
−HK$1,655/mo
Today · 4.125%
HK$64,130
baseline
▲ 0.50% · 4.625%
HK$67,510
+HK$3,380/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,260/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,676 · Scale 2, in force from 26 Feb 2026)