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$30,428
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,374
−HK$962/mo
Today · 4.125%
HK$32,336
baseline
▲ 0.50% · 4.625%
HK$34,303
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,672/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,850
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,758
−HK$921/mo
Today · 4.125%
HK$35,679
baseline
▲ 0.50% · 4.625%
HK$37,560
+HK$1,881/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,358/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,513
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,649
−HK$1,154/mo
Today · 4.125%
HK$38,803
baseline
▲ 0.50% · 4.625%
HK$41,164
+HK$2,361/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,606/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,621
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,710
−HK$1,105/mo
Today · 4.125%
HK$42,815
baseline
▲ 0.50% · 4.625%
HK$45,072
+HK$2,257/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,630/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,599
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,924
−HK$1,346/mo
Today · 4.125%
HK$45,270
baseline
▲ 0.50% · 4.625%
HK$48,025
+HK$2,755/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,540/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,391
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,662
−HK$1,289/mo
Today · 4.125%
HK$49,951
baseline
▲ 0.50% · 4.625%
HK$52,584
+HK$2,633/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,902/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,770
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,473
−HK$1,731/mo
Today · 4.125%
HK$58,204
baseline
▲ 0.50% · 4.625%
HK$61,746
+HK$3,542/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,408/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,931
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,565
−HK$1,658/mo
Today · 4.125%
HK$64,223
baseline
▲ 0.50% · 4.625%
HK$67,608
+HK$3,385/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,446/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,399 · Scale 2, in force from 26 Feb 2026)