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$30,441
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,387
−HK$963/mo
Today · 4.125%
HK$32,350
baseline
▲ 0.50% · 4.625%
HK$34,318
+HK$1,968/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,700/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,865
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,773
−HK$921/mo
Today · 4.125%
HK$35,694
baseline
▲ 0.50% · 4.625%
HK$37,576
+HK$1,882/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,388/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,529
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,665
−HK$1,154/mo
Today · 4.125%
HK$38,819
baseline
▲ 0.50% · 4.625%
HK$41,181
+HK$2,362/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,638/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,638
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,728
−HK$1,105/mo
Today · 4.125%
HK$42,833
baseline
▲ 0.50% · 4.625%
HK$45,091
+HK$2,258/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,666/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,617
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,942
−HK$1,347/mo
Today · 4.125%
HK$45,289
baseline
▲ 0.50% · 4.625%
HK$48,045
+HK$2,756/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,578/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,411
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,682
−HK$1,290/mo
Today · 4.125%
HK$49,972
baseline
▲ 0.50% · 4.625%
HK$52,606
+HK$2,634/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,944/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,793
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,497
−HK$1,732/mo
Today · 4.125%
HK$58,229
baseline
▲ 0.50% · 4.625%
HK$61,772
+HK$3,543/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,458/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,957
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,592
−HK$1,658/mo
Today · 4.125%
HK$64,250
baseline
▲ 0.50% · 4.625%
HK$67,637
+HK$3,387/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,500/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,612 · Scale 2, in force from 26 Feb 2026)