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$30,390
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,335
−HK$961/mo
Today · 4.125%
HK$32,296
baseline
▲ 0.50% · 4.625%
HK$34,261
+HK$1,965/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,592/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,809
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,715
−HK$920/mo
Today · 4.125%
HK$35,635
baseline
▲ 0.50% · 4.625%
HK$37,514
+HK$1,879/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,270/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,468
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,602
−HK$1,153/mo
Today · 4.125%
HK$38,755
baseline
▲ 0.50% · 4.625%
HK$41,113
+HK$2,358/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,510/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,570
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,658
−HK$1,104/mo
Today · 4.125%
HK$42,762
baseline
▲ 0.50% · 4.625%
HK$45,016
+HK$2,254/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,524/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,546
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,869
−HK$1,345/mo
Today · 4.125%
HK$45,214
baseline
▲ 0.50% · 4.625%
HK$47,965
+HK$2,751/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,428/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,332
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,601
−HK$1,288/mo
Today · 4.125%
HK$49,889
baseline
▲ 0.50% · 4.625%
HK$52,519
+HK$2,630/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,778/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,702
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,404
−HK$1,728/mo
Today · 4.125%
HK$58,132
baseline
▲ 0.50% · 4.625%
HK$61,670
+HK$3,538/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,264/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,855
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,488
−HK$1,655/mo
Today · 4.125%
HK$64,143
baseline
▲ 0.50% · 4.625%
HK$67,524
+HK$3,381/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,286/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,780 · Scale 2, in force from 26 Feb 2026)