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$7.18M (deposit + AVD stamp duty HK$500,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,863
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,771
−HK$922/mo
Today · 4.125%
HK$35,693
baseline
▲ 0.50% · 4.625%
HK$37,574
+HK$1,881/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,386/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,527
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,663
−HK$1,155/mo
Today · 4.125%
HK$38,818
baseline
▲ 0.50% · 4.625%
HK$41,180
+HK$2,362/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,636/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,636
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,726
−HK$1,105/mo
Today · 4.125%
HK$42,831
baseline
▲ 0.50% · 4.625%
HK$45,089
+HK$2,258/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$500,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,615
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,940
−HK$1,347/mo
Today · 4.125%
HK$45,287
baseline
▲ 0.50% · 4.625%
HK$48,043
+HK$2,756/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$500,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,409
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,680
−HK$1,290/mo
Today · 4.125%
HK$49,970
baseline
▲ 0.50% · 4.625%
HK$52,604
+HK$2,634/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,940/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,791
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,495
−HK$1,731/mo
Today · 4.125%
HK$58,226
baseline
▲ 0.50% · 4.625%
HK$61,769
+HK$3,543/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$500,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,954
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,589
−HK$1,658/mo
Today · 4.125%
HK$64,247
baseline
▲ 0.50% · 4.625%
HK$67,634
+HK$3,387/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,494/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,588 · Scale 2, in force from 26 Feb 2026)