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$30,367
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,311
−HK$960/mo
Today · 4.125%
HK$32,271
baseline
▲ 0.50% · 4.625%
HK$34,234
+HK$1,963/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,542/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,782
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,688
−HK$920/mo
Today · 4.125%
HK$35,608
baseline
▲ 0.50% · 4.625%
HK$37,485
+HK$1,877/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,216/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,440
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,573
−HK$1,152/mo
Today · 4.125%
HK$38,725
baseline
▲ 0.50% · 4.625%
HK$41,081
+HK$2,356/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,450/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,539
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,626
−HK$1,103/mo
Today · 4.125%
HK$42,729
baseline
▲ 0.50% · 4.625%
HK$44,981
+HK$2,252/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,458/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,513
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,836
−HK$1,343/mo
Today · 4.125%
HK$45,179
baseline
▲ 0.50% · 4.625%
HK$47,928
+HK$2,749/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$90,358/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,295
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,564
−HK$1,287/mo
Today · 4.125%
HK$49,851
baseline
▲ 0.50% · 4.625%
HK$52,478
+HK$2,627/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$99,702/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,660
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,360
−HK$1,727/mo
Today · 4.125%
HK$58,087
baseline
▲ 0.50% · 4.625%
HK$61,622
+HK$3,535/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,174/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,808
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,439
−HK$1,655/mo
Today · 4.125%
HK$64,094
baseline
▲ 0.50% · 4.625%
HK$67,472
+HK$3,378/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,188/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,394 · Scale 2, in force from 26 Feb 2026)