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$30,426
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,372
−HK$962/mo
Today · 4.125%
HK$32,334
baseline
▲ 0.50% · 4.625%
HK$34,301
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,668/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,848
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,756
−HK$921/mo
Today · 4.125%
HK$35,677
baseline
▲ 0.50% · 4.625%
HK$37,558
+HK$1,881/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,354/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,511
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,647
−HK$1,154/mo
Today · 4.125%
HK$38,801
baseline
▲ 0.50% · 4.625%
HK$41,161
+HK$2,360/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,602/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,618
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,707
−HK$1,106/mo
Today · 4.125%
HK$42,813
baseline
▲ 0.50% · 4.625%
HK$45,069
+HK$2,256/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,626/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,596
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,921
−HK$1,346/mo
Today · 4.125%
HK$45,267
baseline
▲ 0.50% · 4.625%
HK$48,022
+HK$2,755/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,534/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,388
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,659
−HK$1,289/mo
Today · 4.125%
HK$49,948
baseline
▲ 0.50% · 4.625%
HK$52,581
+HK$2,633/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,896/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,766
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,470
−HK$1,731/mo
Today · 4.125%
HK$58,201
baseline
▲ 0.50% · 4.625%
HK$61,742
+HK$3,541/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,402/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,927
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,561
−HK$1,658/mo
Today · 4.125%
HK$64,219
baseline
▲ 0.50% · 4.625%
HK$67,604
+HK$3,385/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,438/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,369 · Scale 2, in force from 26 Feb 2026)