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$30,374
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,319
−HK$960/mo
Today · 4.125%
HK$32,279
baseline
▲ 0.50% · 4.625%
HK$34,243
+HK$1,964/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,558/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,791
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,697
−HK$919/mo
Today · 4.125%
HK$35,616
baseline
▲ 0.50% · 4.625%
HK$37,494
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,232/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,449
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,582
−HK$1,152/mo
Today · 4.125%
HK$38,734
baseline
▲ 0.50% · 4.625%
HK$41,091
+HK$2,357/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,468/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,549
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,636
−HK$1,103/mo
Today · 4.125%
HK$42,739
baseline
▲ 0.50% · 4.625%
HK$44,992
+HK$2,253/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,478/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,523
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,846
−HK$1,344/mo
Today · 4.125%
HK$45,190
baseline
▲ 0.50% · 4.625%
HK$47,940
+HK$2,750/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$90,380/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,307
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,576
−HK$1,287/mo
Today · 4.125%
HK$49,863
baseline
▲ 0.50% · 4.625%
HK$52,491
+HK$2,628/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$99,726/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,673
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,374
−HK$1,727/mo
Today · 4.125%
HK$58,101
baseline
▲ 0.50% · 4.625%
HK$61,637
+HK$3,536/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,202/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,823
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,454
−HK$1,655/mo
Today · 4.125%
HK$64,109
baseline
▲ 0.50% · 4.625%
HK$67,488
+HK$3,379/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,218/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,514 · Scale 2, in force from 26 Feb 2026)