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$30,786
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,743
−HK$973/mo
Today · 4.125%
HK$32,716
baseline
▲ 0.50% · 4.625%
HK$34,707
+HK$1,991/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,432/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,249
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,167
−HK$932/mo
Today · 4.125%
HK$36,099
baseline
▲ 0.50% · 4.625%
HK$38,002
+HK$1,903/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,198/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,943
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,092
−HK$1,167/mo
Today · 4.125%
HK$39,259
baseline
▲ 0.50% · 4.625%
HK$41,648
+HK$2,389/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,518/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,098
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,201
−HK$1,118/mo
Today · 4.125%
HK$43,319
baseline
▲ 0.50% · 4.625%
HK$45,602
+HK$2,283/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,638/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,100
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,440
−HK$1,363/mo
Today · 4.125%
HK$45,803
baseline
▲ 0.50% · 4.625%
HK$48,589
+HK$2,786/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,606/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,948
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,234
−HK$1,305/mo
Today · 4.125%
HK$50,539
baseline
▲ 0.50% · 4.625%
HK$53,203
+HK$2,664/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,078/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,414
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,138
−HK$1,751/mo
Today · 4.125%
HK$58,889
baseline
▲ 0.50% · 4.625%
HK$62,472
+HK$3,583/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,778/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,648
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,301
−HK$1,677/mo
Today · 4.125%
HK$64,978
baseline
▲ 0.50% · 4.625%
HK$68,403
+HK$3,425/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,956/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,285 · Scale 2, in force from 26 Feb 2026)