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$30,438
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,385
−HK$962/mo
Today · 4.125%
HK$32,347
baseline
▲ 0.50% · 4.625%
HK$34,315
+HK$1,968/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,694/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,862
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,770
−HK$922/mo
Today · 4.125%
HK$35,692
baseline
▲ 0.50% · 4.625%
HK$37,573
+HK$1,881/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,384/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,526
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,662
−HK$1,154/mo
Today · 4.125%
HK$38,816
baseline
▲ 0.50% · 4.625%
HK$41,178
+HK$2,362/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,632/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,635
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,724
−HK$1,106/mo
Today · 4.125%
HK$42,830
baseline
▲ 0.50% · 4.625%
HK$45,088
+HK$2,258/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,660/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,614
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,939
−HK$1,347/mo
Today · 4.125%
HK$45,286
baseline
▲ 0.50% · 4.625%
HK$48,041
+HK$2,755/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,572/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,407
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,679
−HK$1,289/mo
Today · 4.125%
HK$49,968
baseline
▲ 0.50% · 4.625%
HK$52,602
+HK$2,634/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,936/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,789
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,493
−HK$1,732/mo
Today · 4.125%
HK$58,225
baseline
▲ 0.50% · 4.625%
HK$61,767
+HK$3,542/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,450/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,952
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,587
−HK$1,658/mo
Today · 4.125%
HK$64,245
baseline
▲ 0.50% · 4.625%
HK$67,631
+HK$3,386/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,490/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,573 · Scale 2, in force from 26 Feb 2026)