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$30,439
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,386
−HK$962/mo
Today · 4.125%
HK$32,348
baseline
▲ 0.50% · 4.625%
HK$34,316
+HK$1,968/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,696/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,863
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,771
−HK$921/mo
Today · 4.125%
HK$35,692
baseline
▲ 0.50% · 4.625%
HK$37,574
+HK$1,882/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,384/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,526
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,663
−HK$1,154/mo
Today · 4.125%
HK$38,817
baseline
▲ 0.50% · 4.625%
HK$41,179
+HK$2,362/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,634/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,635
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,725
−HK$1,106/mo
Today · 4.125%
HK$42,831
baseline
▲ 0.50% · 4.625%
HK$45,088
+HK$2,257/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,662/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,614
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,940
−HK$1,347/mo
Today · 4.125%
HK$45,287
baseline
▲ 0.50% · 4.625%
HK$48,042
+HK$2,755/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,574/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,408
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,679
−HK$1,290/mo
Today · 4.125%
HK$49,969
baseline
▲ 0.50% · 4.625%
HK$52,603
+HK$2,634/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,938/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,790
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,494
−HK$1,732/mo
Today · 4.125%
HK$58,226
baseline
▲ 0.50% · 4.625%
HK$61,768
+HK$3,542/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,452/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,953
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,588
−HK$1,658/mo
Today · 4.125%
HK$64,246
baseline
▲ 0.50% · 4.625%
HK$67,633
+HK$3,387/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,492/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,581 · Scale 2, in force from 26 Feb 2026)