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$30,371
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,316
−HK$960/mo
Today · 4.125%
HK$32,276
baseline
▲ 0.50% · 4.625%
HK$34,240
+HK$1,964/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,552/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,788
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,694
−HK$919/mo
Today · 4.125%
HK$35,613
baseline
▲ 0.50% · 4.625%
HK$37,491
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,226/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,446
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,579
−HK$1,152/mo
Today · 4.125%
HK$38,731
baseline
▲ 0.50% · 4.625%
HK$41,088
+HK$2,357/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,462/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,545
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,633
−HK$1,103/mo
Today · 4.125%
HK$42,736
baseline
▲ 0.50% · 4.625%
HK$44,989
+HK$2,253/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,472/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,520
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,843
−HK$1,343/mo
Today · 4.125%
HK$45,186
baseline
▲ 0.50% · 4.625%
HK$47,936
+HK$2,750/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$90,372/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,303
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,572
−HK$1,287/mo
Today · 4.125%
HK$49,859
baseline
▲ 0.50% · 4.625%
HK$52,487
+HK$2,628/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$99,718/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,668
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,369
−HK$1,728/mo
Today · 4.125%
HK$58,097
baseline
▲ 0.50% · 4.625%
HK$61,632
+HK$3,535/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,194/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,818
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,449
−HK$1,655/mo
Today · 4.125%
HK$64,104
baseline
▲ 0.50% · 4.625%
HK$67,483
+HK$3,379/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,208/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,473 · Scale 2, in force from 26 Feb 2026)