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$30,369
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,313
−HK$960/mo
Today · 4.125%
HK$32,273
baseline
▲ 0.50% · 4.625%
HK$34,237
+HK$1,964/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,546/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,785
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,691
−HK$919/mo
Today · 4.125%
HK$35,610
baseline
▲ 0.50% · 4.625%
HK$37,487
+HK$1,877/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,220/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,443
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,576
−HK$1,152/mo
Today · 4.125%
HK$38,728
baseline
▲ 0.50% · 4.625%
HK$41,084
+HK$2,356/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,456/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,542
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,629
−HK$1,103/mo
Today · 4.125%
HK$42,732
baseline
▲ 0.50% · 4.625%
HK$44,985
+HK$2,253/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,464/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,516
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,839
−HK$1,344/mo
Today · 4.125%
HK$45,183
baseline
▲ 0.50% · 4.625%
HK$47,932
+HK$2,749/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$90,366/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,299
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,568
−HK$1,286/mo
Today · 4.125%
HK$49,854
baseline
▲ 0.50% · 4.625%
HK$52,482
+HK$2,628/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$99,708/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,664
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,364
−HK$1,728/mo
Today · 4.125%
HK$58,092
baseline
▲ 0.50% · 4.625%
HK$61,627
+HK$3,535/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,184/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,813
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,444
−HK$1,655/mo
Today · 4.125%
HK$64,099
baseline
▲ 0.50% · 4.625%
HK$67,477
+HK$3,378/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,198/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,432 · Scale 2, in force from 26 Feb 2026)