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$30,427
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,373
−HK$962/mo
Today · 4.125%
HK$32,335
baseline
▲ 0.50% · 4.625%
HK$34,302
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,670/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,850
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,758
−HK$920/mo
Today · 4.125%
HK$35,678
baseline
▲ 0.50% · 4.625%
HK$37,559
+HK$1,881/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,356/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,512
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,648
−HK$1,154/mo
Today · 4.125%
HK$38,802
baseline
▲ 0.50% · 4.625%
HK$41,163
+HK$2,361/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,604/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,620
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,709
−HK$1,105/mo
Today · 4.125%
HK$42,814
baseline
▲ 0.50% · 4.625%
HK$45,071
+HK$2,257/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,628/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,598
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,923
−HK$1,346/mo
Today · 4.125%
HK$45,269
baseline
▲ 0.50% · 4.625%
HK$48,023
+HK$2,754/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,538/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,390
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,661
−HK$1,289/mo
Today · 4.125%
HK$49,950
baseline
▲ 0.50% · 4.625%
HK$52,583
+HK$2,633/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,900/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,769
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,472
−HK$1,731/mo
Today · 4.125%
HK$58,203
baseline
▲ 0.50% · 4.625%
HK$61,744
+HK$3,541/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,406/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,929
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,564
−HK$1,657/mo
Today · 4.125%
HK$64,221
baseline
▲ 0.50% · 4.625%
HK$67,606
+HK$3,385/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,442/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,387 · Scale 2, in force from 26 Feb 2026)