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$30,377
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,322
−HK$960/mo
Today · 4.125%
HK$32,282
baseline
▲ 0.50% · 4.625%
HK$34,246
+HK$1,964/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,564/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,794
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,700
−HK$920/mo
Today · 4.125%
HK$35,620
baseline
▲ 0.50% · 4.625%
HK$37,497
+HK$1,877/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,240/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,452
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,586
−HK$1,152/mo
Today · 4.125%
HK$38,738
baseline
▲ 0.50% · 4.625%
HK$41,095
+HK$2,357/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,476/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,553
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,640
−HK$1,104/mo
Today · 4.125%
HK$42,744
baseline
▲ 0.50% · 4.625%
HK$44,997
+HK$2,253/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,488/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,528
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,851
−HK$1,344/mo
Today · 4.125%
HK$45,195
baseline
▲ 0.50% · 4.625%
HK$47,945
+HK$2,750/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,390/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,312
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,581
−HK$1,287/mo
Today · 4.125%
HK$49,868
baseline
▲ 0.50% · 4.625%
HK$52,496
+HK$2,628/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,736/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,679
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,379
−HK$1,728/mo
Today · 4.125%
HK$58,107
baseline
▲ 0.50% · 4.625%
HK$61,643
+HK$3,536/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,214/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,829
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,461
−HK$1,655/mo
Today · 4.125%
HK$64,116
baseline
▲ 0.50% · 4.625%
HK$67,495
+HK$3,379/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,232/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,565 · Scale 2, in force from 26 Feb 2026)