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$30,381
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,326
−HK$960/mo
Today · 4.125%
HK$32,286
baseline
▲ 0.50% · 4.625%
HK$34,251
+HK$1,965/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,572/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,799
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,705
−HK$920/mo
Today · 4.125%
HK$35,625
baseline
▲ 0.50% · 4.625%
HK$37,503
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,250/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,457
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,591
−HK$1,153/mo
Today · 4.125%
HK$38,744
baseline
▲ 0.50% · 4.625%
HK$41,101
+HK$2,357/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,488/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,559
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,646
−HK$1,104/mo
Today · 4.125%
HK$42,750
baseline
▲ 0.50% · 4.625%
HK$45,003
+HK$2,253/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,500/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,534
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,857
−HK$1,344/mo
Today · 4.125%
HK$45,201
baseline
▲ 0.50% · 4.625%
HK$47,951
+HK$2,750/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,402/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,318
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,587
−HK$1,288/mo
Today · 4.125%
HK$49,875
baseline
▲ 0.50% · 4.625%
HK$52,504
+HK$2,629/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,750/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,686
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,387
−HK$1,728/mo
Today · 4.125%
HK$58,115
baseline
▲ 0.50% · 4.625%
HK$61,652
+HK$3,537/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,230/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,838
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,469
−HK$1,656/mo
Today · 4.125%
HK$64,125
baseline
▲ 0.50% · 4.625%
HK$67,505
+HK$3,380/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,250/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,635 · Scale 2, in force from 26 Feb 2026)