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$30,376
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,321
−HK$960/mo
Today · 4.125%
HK$32,281
baseline
▲ 0.50% · 4.625%
HK$34,245
+HK$1,964/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,562/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,793
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,700
−HK$919/mo
Today · 4.125%
HK$35,619
baseline
▲ 0.50% · 4.625%
HK$37,497
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,238/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,452
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,585
−HK$1,152/mo
Today · 4.125%
HK$38,737
baseline
▲ 0.50% · 4.625%
HK$41,095
+HK$2,358/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,474/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,552
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,640
−HK$1,103/mo
Today · 4.125%
HK$42,743
baseline
▲ 0.50% · 4.625%
HK$44,996
+HK$2,253/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,486/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,527
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,850
−HK$1,344/mo
Today · 4.125%
HK$45,194
baseline
▲ 0.50% · 4.625%
HK$47,944
+HK$2,750/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,388/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,311
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,580
−HK$1,287/mo
Today · 4.125%
HK$49,867
baseline
▲ 0.50% · 4.625%
HK$52,495
+HK$2,628/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,734/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,677
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,378
−HK$1,728/mo
Today · 4.125%
HK$58,106
baseline
▲ 0.50% · 4.625%
HK$61,642
+HK$3,536/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,212/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,828
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,459
−HK$1,655/mo
Today · 4.125%
HK$64,114
baseline
▲ 0.50% · 4.625%
HK$67,494
+HK$3,380/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,228/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,555 · Scale 2, in force from 26 Feb 2026)