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$30,420
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,366
−HK$961/mo
Today · 4.125%
HK$32,327
baseline
▲ 0.50% · 4.625%
HK$34,294
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,654/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,842
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,749
−HK$921/mo
Today · 4.125%
HK$35,670
baseline
▲ 0.50% · 4.625%
HK$37,550
+HK$1,880/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,340/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,504
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,639
−HK$1,154/mo
Today · 4.125%
HK$38,793
baseline
▲ 0.50% · 4.625%
HK$41,153
+HK$2,360/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$77,586/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,610
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,699
−HK$1,105/mo
Today · 4.125%
HK$42,804
baseline
▲ 0.50% · 4.625%
HK$45,060
+HK$2,256/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$85,608/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,588
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,912
−HK$1,346/mo
Today · 4.125%
HK$45,258
baseline
▲ 0.50% · 4.625%
HK$48,012
+HK$2,754/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,516/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,378
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,649
−HK$1,289/mo
Today · 4.125%
HK$49,938
baseline
▲ 0.50% · 4.625%
HK$52,570
+HK$2,632/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,876/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,756
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,459
−HK$1,730/mo
Today · 4.125%
HK$58,189
baseline
▲ 0.50% · 4.625%
HK$61,730
+HK$3,541/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,378/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,915
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,549
−HK$1,657/mo
Today · 4.125%
HK$64,206
baseline
▲ 0.50% · 4.625%
HK$67,590
+HK$3,384/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,412/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,269 · Scale 2, in force from 26 Feb 2026)