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$30,380
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,325
−HK$960/mo
Today · 4.125%
HK$32,285
baseline
▲ 0.50% · 4.625%
HK$34,249
+HK$1,964/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,570/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,797
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,703
−HK$920/mo
Today · 4.125%
HK$35,623
baseline
▲ 0.50% · 4.625%
HK$37,501
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,246/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,456
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,590
−HK$1,152/mo
Today · 4.125%
HK$38,742
baseline
▲ 0.50% · 4.625%
HK$41,099
+HK$2,357/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,484/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,556
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,644
−HK$1,104/mo
Today · 4.125%
HK$42,748
baseline
▲ 0.50% · 4.625%
HK$45,001
+HK$2,253/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,496/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,531
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,854
−HK$1,345/mo
Today · 4.125%
HK$45,199
baseline
▲ 0.50% · 4.625%
HK$47,949
+HK$2,750/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,398/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,316
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,585
−HK$1,287/mo
Today · 4.125%
HK$49,872
baseline
▲ 0.50% · 4.625%
HK$52,501
+HK$2,629/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,744/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,683
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,384
−HK$1,728/mo
Today · 4.125%
HK$58,112
baseline
▲ 0.50% · 4.625%
HK$61,648
+HK$3,536/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,224/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,835
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,466
−HK$1,655/mo
Today · 4.125%
HK$64,121
baseline
▲ 0.50% · 4.625%
HK$67,501
+HK$3,380/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,242/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,609 · Scale 2, in force from 26 Feb 2026)