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$30,386
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,332
−HK$960/mo
Today · 4.125%
HK$32,292
baseline
▲ 0.50% · 4.625%
HK$34,257
+HK$1,965/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,584/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,805
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,711
−HK$920/mo
Today · 4.125%
HK$35,631
baseline
▲ 0.50% · 4.625%
HK$37,509
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,262/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,464
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,598
−HK$1,152/mo
Today · 4.125%
HK$38,750
baseline
▲ 0.50% · 4.625%
HK$41,108
+HK$2,358/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,500/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,565
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,653
−HK$1,104/mo
Today · 4.125%
HK$42,757
baseline
▲ 0.50% · 4.625%
HK$45,011
+HK$2,254/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,514/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,541
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,864
−HK$1,345/mo
Today · 4.125%
HK$45,209
baseline
▲ 0.50% · 4.625%
HK$47,959
+HK$2,750/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,418/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,326
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,596
−HK$1,287/mo
Today · 4.125%
HK$49,883
baseline
▲ 0.50% · 4.625%
HK$52,513
+HK$2,630/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,766/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,695
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,397
−HK$1,728/mo
Today · 4.125%
HK$58,125
baseline
▲ 0.50% · 4.625%
HK$61,662
+HK$3,537/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,250/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,848
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,480
−HK$1,656/mo
Today · 4.125%
HK$64,136
baseline
▲ 0.50% · 4.625%
HK$67,516
+HK$3,380/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,272/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,720 · Scale 2, in force from 26 Feb 2026)