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$30,789
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,746
−HK$973/mo
Today · 4.125%
HK$32,719
baseline
▲ 0.50% · 4.625%
HK$34,710
+HK$1,991/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,438/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,252
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,171
−HK$932/mo
Today · 4.125%
HK$36,103
baseline
▲ 0.50% · 4.625%
HK$38,006
+HK$1,903/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,206/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,946
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,096
−HK$1,167/mo
Today · 4.125%
HK$39,263
baseline
▲ 0.50% · 4.625%
HK$41,652
+HK$2,389/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,526/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,102
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,205
−HK$1,118/mo
Today · 4.125%
HK$43,323
baseline
▲ 0.50% · 4.625%
HK$45,607
+HK$2,284/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,646/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,104
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,445
−HK$1,362/mo
Today · 4.125%
HK$45,807
baseline
▲ 0.50% · 4.625%
HK$48,594
+HK$2,787/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,614/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,953
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,239
−HK$1,305/mo
Today · 4.125%
HK$50,544
baseline
▲ 0.50% · 4.625%
HK$53,208
+HK$2,664/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,088/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,420
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,143
−HK$1,752/mo
Today · 4.125%
HK$58,895
baseline
▲ 0.50% · 4.625%
HK$62,478
+HK$3,583/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,790/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,654
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,307
−HK$1,678/mo
Today · 4.125%
HK$64,985
baseline
▲ 0.50% · 4.625%
HK$68,410
+HK$3,425/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,970/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,336 · Scale 2, in force from 26 Feb 2026)