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$30,384
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,329
−HK$961/mo
Today · 4.125%
HK$32,290
baseline
▲ 0.50% · 4.625%
HK$34,254
+HK$1,964/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,580/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,802
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,709
−HK$919/mo
Today · 4.125%
HK$35,628
baseline
▲ 0.50% · 4.625%
HK$37,506
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,256/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,461
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,595
−HK$1,153/mo
Today · 4.125%
HK$38,748
baseline
▲ 0.50% · 4.625%
HK$41,105
+HK$2,357/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,496/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,563
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,651
−HK$1,103/mo
Today · 4.125%
HK$42,754
baseline
▲ 0.50% · 4.625%
HK$45,008
+HK$2,254/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,508/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,538
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,861
−HK$1,345/mo
Today · 4.125%
HK$45,206
baseline
▲ 0.50% · 4.625%
HK$47,956
+HK$2,750/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,412/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,323
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,592
−HK$1,288/mo
Today · 4.125%
HK$49,880
baseline
▲ 0.50% · 4.625%
HK$52,509
+HK$2,629/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,760/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,692
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,393
−HK$1,728/mo
Today · 4.125%
HK$58,121
baseline
▲ 0.50% · 4.625%
HK$61,658
+HK$3,537/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,242/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,844
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,476
−HK$1,655/mo
Today · 4.125%
HK$64,131
baseline
▲ 0.50% · 4.625%
HK$67,512
+HK$3,381/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,262/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,686 · Scale 2, in force from 26 Feb 2026)