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$30,419
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,366
−HK$961/mo
Today · 4.125%
HK$32,327
baseline
▲ 0.50% · 4.625%
HK$34,294
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,654/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,841
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,749
−HK$921/mo
Today · 4.125%
HK$35,670
baseline
▲ 0.50% · 4.625%
HK$37,550
+HK$1,880/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,340/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,503
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,639
−HK$1,153/mo
Today · 4.125%
HK$38,792
baseline
▲ 0.50% · 4.625%
HK$41,153
+HK$2,361/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$77,584/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,609
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,699
−HK$1,104/mo
Today · 4.125%
HK$42,803
baseline
▲ 0.50% · 4.625%
HK$45,060
+HK$2,257/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$85,606/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,587
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,912
−HK$1,346/mo
Today · 4.125%
HK$45,258
baseline
▲ 0.50% · 4.625%
HK$48,011
+HK$2,753/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,516/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,378
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,648
−HK$1,289/mo
Today · 4.125%
HK$49,937
baseline
▲ 0.50% · 4.625%
HK$52,570
+HK$2,633/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,874/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,755
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,458
−HK$1,730/mo
Today · 4.125%
HK$58,188
baseline
▲ 0.50% · 4.625%
HK$61,729
+HK$3,541/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,376/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,914
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,548
−HK$1,657/mo
Today · 4.125%
HK$64,205
baseline
▲ 0.50% · 4.625%
HK$67,590
+HK$3,385/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,410/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,262 · Scale 2, in force from 26 Feb 2026)