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$30,425
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,371
−HK$962/mo
Today · 4.125%
HK$32,333
baseline
▲ 0.50% · 4.625%
HK$34,300
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,666/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,847
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,755
−HK$921/mo
Today · 4.125%
HK$35,676
baseline
▲ 0.50% · 4.625%
HK$37,557
+HK$1,881/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,352/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,510
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,645
−HK$1,154/mo
Today · 4.125%
HK$38,799
baseline
▲ 0.50% · 4.625%
HK$41,160
+HK$2,361/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,598/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,617
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,706
−HK$1,105/mo
Today · 4.125%
HK$42,811
baseline
▲ 0.50% · 4.625%
HK$45,068
+HK$2,257/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,622/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,595
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,920
−HK$1,346/mo
Today · 4.125%
HK$45,266
baseline
▲ 0.50% · 4.625%
HK$48,020
+HK$2,754/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,532/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,386
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,657
−HK$1,289/mo
Today · 4.125%
HK$49,946
baseline
▲ 0.50% · 4.625%
HK$52,579
+HK$2,633/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,892/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,765
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,468
−HK$1,731/mo
Today · 4.125%
HK$58,199
baseline
▲ 0.50% · 4.625%
HK$61,740
+HK$3,541/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,398/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,925
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,559
−HK$1,658/mo
Today · 4.125%
HK$64,217
baseline
▲ 0.50% · 4.625%
HK$67,602
+HK$3,385/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,434/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,353 · Scale 2, in force from 26 Feb 2026)