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$30,421
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,367
−HK$962/mo
Today · 4.125%
HK$32,329
baseline
▲ 0.50% · 4.625%
HK$34,296
+HK$1,967/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,658/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,843
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,751
−HK$920/mo
Today · 4.125%
HK$35,671
baseline
▲ 0.50% · 4.625%
HK$37,552
+HK$1,881/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,342/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,505
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,641
−HK$1,153/mo
Today · 4.125%
HK$38,794
baseline
▲ 0.50% · 4.625%
HK$41,155
+HK$2,361/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$77,588/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,612
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,701
−HK$1,105/mo
Today · 4.125%
HK$42,806
baseline
▲ 0.50% · 4.625%
HK$45,062
+HK$2,256/mo
Deposit HK$5.34M · loan HK$8.00M · min. income ≈ HK$85,612/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,589
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,914
−HK$1,346/mo
Today · 4.125%
HK$45,260
baseline
▲ 0.50% · 4.625%
HK$48,014
+HK$2,754/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,520/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,380
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,651
−HK$1,289/mo
Today · 4.125%
HK$49,940
baseline
▲ 0.50% · 4.625%
HK$52,572
+HK$2,632/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,880/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,758
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,461
−HK$1,731/mo
Today · 4.125%
HK$58,192
baseline
▲ 0.50% · 4.625%
HK$61,732
+HK$3,540/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,384/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,917
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,551
−HK$1,658/mo
Today · 4.125%
HK$64,209
baseline
▲ 0.50% · 4.625%
HK$67,593
+HK$3,384/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,418/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$500,289 · Scale 2, in force from 26 Feb 2026)