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$30,423
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,369
−HK$961/mo
Today · 4.125%
HK$32,330
baseline
▲ 0.50% · 4.625%
HK$34,297
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,660/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,845
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,752
−HK$921/mo
Today · 4.125%
HK$35,673
baseline
▲ 0.50% · 4.625%
HK$37,554
+HK$1,881/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,346/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,507
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,643
−HK$1,153/mo
Today · 4.125%
HK$38,796
baseline
▲ 0.50% · 4.625%
HK$41,157
+HK$2,361/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,592/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,614
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,703
−HK$1,105/mo
Today · 4.125%
HK$42,808
baseline
▲ 0.50% · 4.625%
HK$45,064
+HK$2,256/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,616/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,592
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,916
−HK$1,346/mo
Today · 4.125%
HK$45,262
baseline
▲ 0.50% · 4.625%
HK$48,016
+HK$2,754/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,524/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,383
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,653
−HK$1,290/mo
Today · 4.125%
HK$49,943
baseline
▲ 0.50% · 4.625%
HK$52,575
+HK$2,632/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,886/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,761
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,464
−HK$1,730/mo
Today · 4.125%
HK$58,194
baseline
▲ 0.50% · 4.625%
HK$61,735
+HK$3,541/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,388/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,921
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,554
−HK$1,658/mo
Today · 4.125%
HK$64,212
baseline
▲ 0.50% · 4.625%
HK$67,597
+HK$3,385/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,424/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,314 · Scale 2, in force from 26 Feb 2026)