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$30,433
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,379
−HK$962/mo
Today · 4.125%
HK$32,341
baseline
▲ 0.50% · 4.625%
HK$34,309
+HK$1,968/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$64,682/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,856
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,764
−HK$921/mo
Today · 4.125%
HK$35,685
baseline
▲ 0.50% · 4.625%
HK$37,566
+HK$1,881/mo
Deposit HK$6.67M · loan HK$6.67M · min. income ≈ HK$71,370/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$500,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,519
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,655
−HK$1,154/mo
Today · 4.125%
HK$38,809
baseline
▲ 0.50% · 4.625%
HK$41,171
+HK$2,362/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,618/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,627
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,717
−HK$1,105/mo
Today · 4.125%
HK$42,822
baseline
▲ 0.50% · 4.625%
HK$45,080
+HK$2,258/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,644/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,606
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,931
−HK$1,347/mo
Today · 4.125%
HK$45,278
baseline
▲ 0.50% · 4.625%
HK$48,033
+HK$2,755/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$90,556/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,399
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,670
−HK$1,289/mo
Today · 4.125%
HK$49,959
baseline
▲ 0.50% · 4.625%
HK$52,593
+HK$2,634/mo
Deposit HK$4.00M · loan HK$9.34M · min. income ≈ HK$99,918/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$500,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,779
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,483
−HK$1,731/mo
Today · 4.125%
HK$58,214
baseline
▲ 0.50% · 4.625%
HK$61,756
+HK$3,542/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$116,428/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,941
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,575
−HK$1,658/mo
Today · 4.125%
HK$64,233
baseline
▲ 0.50% · 4.625%
HK$67,619
+HK$3,386/mo
Deposit HK$1.33M · loan HK$12.01M · min. income ≈ HK$128,466/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,483 · Scale 2, in force from 26 Feb 2026)