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$30,761
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,718
−HK$972/mo
Today · 4.125%
HK$32,690
baseline
▲ 0.50% · 4.625%
HK$34,679
+HK$1,989/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,380/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,221
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,139
−HK$931/mo
Today · 4.125%
HK$36,070
baseline
▲ 0.50% · 4.625%
HK$37,972
+HK$1,902/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,140/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,913
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,062
−HK$1,166/mo
Today · 4.125%
HK$39,228
baseline
▲ 0.50% · 4.625%
HK$41,615
+HK$2,387/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$78,456/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,066
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,167
−HK$1,117/mo
Today · 4.125%
HK$43,284
baseline
▲ 0.50% · 4.625%
HK$45,566
+HK$2,282/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$86,568/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,066
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,405
−HK$1,361/mo
Today · 4.125%
HK$45,766
baseline
▲ 0.50% · 4.625%
HK$48,551
+HK$2,785/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,532/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,910
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,195
−HK$1,304/mo
Today · 4.125%
HK$50,499
baseline
▲ 0.50% · 4.625%
HK$53,160
+HK$2,661/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,998/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,370
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,092
−HK$1,750/mo
Today · 4.125%
HK$58,842
baseline
▲ 0.50% · 4.625%
HK$62,423
+HK$3,581/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,684/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,599
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,251
−HK$1,676/mo
Today · 4.125%
HK$64,927
baseline
▲ 0.50% · 4.625%
HK$68,349
+HK$3,422/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,854/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,884 · Scale 2, in force from 26 Feb 2026)