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$30,374
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,319
−HK$960/mo
Today · 4.125%
HK$32,279
baseline
▲ 0.50% · 4.625%
HK$34,243
+HK$1,964/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,558/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,791
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,697
−HK$920/mo
Today · 4.125%
HK$35,617
baseline
▲ 0.50% · 4.625%
HK$37,494
+HK$1,877/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,234/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,449
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,583
−HK$1,152/mo
Today · 4.125%
HK$38,735
baseline
▲ 0.50% · 4.625%
HK$41,092
+HK$2,357/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,470/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,549
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,637
−HK$1,103/mo
Today · 4.125%
HK$42,740
baseline
▲ 0.50% · 4.625%
HK$44,993
+HK$2,253/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,480/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,524
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,847
−HK$1,343/mo
Today · 4.125%
HK$45,190
baseline
▲ 0.50% · 4.625%
HK$47,940
+HK$2,750/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$90,380/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,307
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,576
−HK$1,287/mo
Today · 4.125%
HK$49,863
baseline
▲ 0.50% · 4.625%
HK$52,492
+HK$2,629/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$99,726/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,673
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,374
−HK$1,728/mo
Today · 4.125%
HK$58,102
baseline
▲ 0.50% · 4.625%
HK$61,637
+HK$3,535/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,204/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,824
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,455
−HK$1,655/mo
Today · 4.125%
HK$64,110
baseline
▲ 0.50% · 4.625%
HK$67,489
+HK$3,379/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,220/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,519 · Scale 2, in force from 26 Feb 2026)