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$30,370
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,314
−HK$960/mo
Today · 4.125%
HK$32,274
baseline
▲ 0.50% · 4.625%
HK$34,238
+HK$1,964/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,548/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,786
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,692
−HK$919/mo
Today · 4.125%
HK$35,611
baseline
▲ 0.50% · 4.625%
HK$37,488
+HK$1,877/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,222/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,444
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,577
−HK$1,152/mo
Today · 4.125%
HK$38,729
baseline
▲ 0.50% · 4.625%
HK$41,086
+HK$2,357/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,458/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,543
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,631
−HK$1,103/mo
Today · 4.125%
HK$42,734
baseline
▲ 0.50% · 4.625%
HK$44,986
+HK$2,252/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,468/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,518
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,840
−HK$1,344/mo
Today · 4.125%
HK$45,184
baseline
▲ 0.50% · 4.625%
HK$47,933
+HK$2,749/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$90,368/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,300
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,569
−HK$1,287/mo
Today · 4.125%
HK$49,856
baseline
▲ 0.50% · 4.625%
HK$52,484
+HK$2,628/mo
Deposit HK$4.00M · loan HK$9.32M · min. income ≈ HK$99,712/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$499,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,666
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,366
−HK$1,728/mo
Today · 4.125%
HK$58,094
baseline
▲ 0.50% · 4.625%
HK$61,628
+HK$3,534/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$116,188/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,815
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,446
−HK$1,654/mo
Today · 4.125%
HK$64,100
baseline
▲ 0.50% · 4.625%
HK$67,479
+HK$3,379/mo
Deposit HK$1.33M · loan HK$11.99M · min. income ≈ HK$128,200/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,446 · Scale 2, in force from 26 Feb 2026)