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$30,373
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,317
−HK$960/mo
Today · 4.125%
HK$32,277
baseline
▲ 0.50% · 4.625%
HK$34,241
+HK$1,964/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,554/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,789
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,695
−HK$920/mo
Today · 4.125%
HK$35,615
baseline
▲ 0.50% · 4.625%
HK$37,492
+HK$1,877/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,230/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,447
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,581
−HK$1,152/mo
Today · 4.125%
HK$38,733
baseline
▲ 0.50% · 4.625%
HK$41,090
+HK$2,357/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,466/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,547
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,635
−HK$1,103/mo
Today · 4.125%
HK$42,738
baseline
▲ 0.50% · 4.625%
HK$44,991
+HK$2,253/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,476/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,522
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,844
−HK$1,344/mo
Today · 4.125%
HK$45,188
baseline
▲ 0.50% · 4.625%
HK$47,938
+HK$2,750/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$90,376/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,305
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,574
−HK$1,287/mo
Today · 4.125%
HK$49,861
baseline
▲ 0.50% · 4.625%
HK$52,489
+HK$2,628/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$99,722/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,671
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,371
−HK$1,728/mo
Today · 4.125%
HK$58,099
baseline
▲ 0.50% · 4.625%
HK$61,634
+HK$3,535/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,198/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,821
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,452
−HK$1,655/mo
Today · 4.125%
HK$64,107
baseline
▲ 0.50% · 4.625%
HK$67,486
+HK$3,379/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,214/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,495 · Scale 2, in force from 26 Feb 2026)