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$30,385
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,330
−HK$960/mo
Today · 4.125%
HK$32,290
baseline
▲ 0.50% · 4.625%
HK$34,255
+HK$1,965/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,580/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,803
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,709
−HK$920/mo
Today · 4.125%
HK$35,629
baseline
▲ 0.50% · 4.625%
HK$37,507
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,258/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,462
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,596
−HK$1,152/mo
Today · 4.125%
HK$38,748
baseline
▲ 0.50% · 4.625%
HK$41,106
+HK$2,358/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,496/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,563
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,651
−HK$1,104/mo
Today · 4.125%
HK$42,755
baseline
▲ 0.50% · 4.625%
HK$45,008
+HK$2,253/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,510/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,539
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,862
−HK$1,344/mo
Today · 4.125%
HK$45,206
baseline
▲ 0.50% · 4.625%
HK$47,957
+HK$2,751/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,412/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,324
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,593
−HK$1,288/mo
Today · 4.125%
HK$49,881
baseline
▲ 0.50% · 4.625%
HK$52,510
+HK$2,629/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,762/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,693
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,394
−HK$1,728/mo
Today · 4.125%
HK$58,122
baseline
▲ 0.50% · 4.625%
HK$61,659
+HK$3,537/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,244/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,845
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,477
−HK$1,655/mo
Today · 4.125%
HK$64,132
baseline
▲ 0.50% · 4.625%
HK$67,513
+HK$3,381/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,264/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,694 · Scale 2, in force from 26 Feb 2026)