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$30,422
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,368
−HK$962/mo
Today · 4.125%
HK$32,330
baseline
▲ 0.50% · 4.625%
HK$34,297
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,660/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,844
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,752
−HK$920/mo
Today · 4.125%
HK$35,672
baseline
▲ 0.50% · 4.625%
HK$37,553
+HK$1,881/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,344/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,506
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,642
−HK$1,153/mo
Today · 4.125%
HK$38,795
baseline
▲ 0.50% · 4.625%
HK$41,156
+HK$2,361/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$77,590/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,613
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,702
−HK$1,105/mo
Today · 4.125%
HK$42,807
baseline
▲ 0.50% · 4.625%
HK$45,063
+HK$2,256/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$85,614/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,591
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,915
−HK$1,346/mo
Today · 4.125%
HK$45,261
baseline
▲ 0.50% · 4.625%
HK$48,015
+HK$2,754/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,522/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,382
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,652
−HK$1,289/mo
Today · 4.125%
HK$49,941
baseline
▲ 0.50% · 4.625%
HK$52,574
+HK$2,633/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,882/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,759
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,463
−HK$1,730/mo
Today · 4.125%
HK$58,193
baseline
▲ 0.50% · 4.625%
HK$61,734
+HK$3,541/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,386/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,919
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,553
−HK$1,657/mo
Today · 4.125%
HK$64,210
baseline
▲ 0.50% · 4.625%
HK$67,595
+HK$3,385/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,420/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,303 · Scale 2, in force from 26 Feb 2026)