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$30,387
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,332
−HK$961/mo
Today · 4.125%
HK$32,293
baseline
▲ 0.50% · 4.625%
HK$34,258
+HK$1,965/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,586/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,805
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,712
−HK$920/mo
Today · 4.125%
HK$35,632
baseline
▲ 0.50% · 4.625%
HK$37,510
+HK$1,878/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,264/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,465
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,599
−HK$1,152/mo
Today · 4.125%
HK$38,751
baseline
▲ 0.50% · 4.625%
HK$41,109
+HK$2,358/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$77,502/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,566
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,654
−HK$1,104/mo
Today · 4.125%
HK$42,758
baseline
▲ 0.50% · 4.625%
HK$45,012
+HK$2,254/mo
Deposit HK$5.33M · loan HK$8.00M · min. income ≈ HK$85,516/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,542
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,865
−HK$1,345/mo
Today · 4.125%
HK$45,210
baseline
▲ 0.50% · 4.625%
HK$47,961
+HK$2,751/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$90,420/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,328
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,597
−HK$1,287/mo
Today · 4.125%
HK$49,884
baseline
▲ 0.50% · 4.625%
HK$52,514
+HK$2,630/mo
Deposit HK$4.00M · loan HK$9.33M · min. income ≈ HK$99,768/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,697
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,398
−HK$1,729/mo
Today · 4.125%
HK$58,127
baseline
▲ 0.50% · 4.625%
HK$61,664
+HK$3,537/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,254/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,850
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,482
−HK$1,655/mo
Today · 4.125%
HK$64,137
baseline
▲ 0.50% · 4.625%
HK$67,518
+HK$3,381/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,274/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,733 · Scale 2, in force from 26 Feb 2026)