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$30,440
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,387
−HK$962/mo
Today · 4.125%
HK$32,349
baseline
▲ 0.50% · 4.625%
HK$34,317
+HK$1,968/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,698/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,864
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,772
−HK$922/mo
Today · 4.125%
HK$35,694
baseline
▲ 0.50% · 4.625%
HK$37,575
+HK$1,881/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$500,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,528
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,664
−HK$1,155/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$500,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,637
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,727
−HK$1,106/mo
Today · 4.125%
HK$42,833
baseline
▲ 0.50% · 4.625%
HK$45,090
+HK$2,257/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$500,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,616
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,942
−HK$1,347/mo
Today · 4.125%
HK$45,289
baseline
▲ 0.50% · 4.625%
HK$48,044
+HK$2,755/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$500,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,410
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,681
−HK$1,290/mo
Today · 4.125%
HK$49,971
baseline
▲ 0.50% · 4.625%
HK$52,605
+HK$2,634/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,942/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,792
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,496
−HK$1,732/mo
Today · 4.125%
HK$58,228
baseline
▲ 0.50% · 4.625%
HK$61,771
+HK$3,543/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,456/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,956
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,590
−HK$1,659/mo
Today · 4.125%
HK$64,249
baseline
▲ 0.50% · 4.625%
HK$67,636
+HK$3,387/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,498/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,603 · Scale 2, in force from 26 Feb 2026)