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$30,434
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,380
−HK$962/mo
Today · 4.125%
HK$32,342
baseline
▲ 0.50% · 4.625%
HK$34,310
+HK$1,968/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,684/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,857
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,765
−HK$921/mo
Today · 4.125%
HK$35,686
baseline
▲ 0.50% · 4.625%
HK$37,567
+HK$1,881/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,372/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,520
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,656
−HK$1,155/mo
Today · 4.125%
HK$38,811
baseline
▲ 0.50% · 4.625%
HK$41,172
+HK$2,361/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,622/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,629
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,718
−HK$1,106/mo
Today · 4.125%
HK$42,824
baseline
▲ 0.50% · 4.625%
HK$45,081
+HK$2,257/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,648/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,607
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,933
−HK$1,346/mo
Today · 4.125%
HK$45,279
baseline
▲ 0.50% · 4.625%
HK$48,034
+HK$2,755/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,558/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,400
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,671
−HK$1,290/mo
Today · 4.125%
HK$49,961
baseline
▲ 0.50% · 4.625%
HK$52,594
+HK$2,633/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,922/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,781
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,485
−HK$1,731/mo
Today · 4.125%
HK$58,216
baseline
▲ 0.50% · 4.625%
HK$61,758
+HK$3,542/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,432/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,943
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,577
−HK$1,658/mo
Today · 4.125%
HK$64,235
baseline
▲ 0.50% · 4.625%
HK$67,621
+HK$3,386/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,470/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,498 · Scale 2, in force from 26 Feb 2026)