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$30,782
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,740
−HK$973/mo
Today · 4.125%
HK$32,713
baseline
▲ 0.50% · 4.625%
HK$34,703
+HK$1,990/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,426/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,245
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,164
−HK$931/mo
Today · 4.125%
HK$36,095
baseline
▲ 0.50% · 4.625%
HK$37,998
+HK$1,903/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,190/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,939
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,088
−HK$1,167/mo
Today · 4.125%
HK$39,255
baseline
▲ 0.50% · 4.625%
HK$41,644
+HK$2,389/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,510/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,094
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,196
−HK$1,118/mo
Today · 4.125%
HK$43,314
baseline
▲ 0.50% · 4.625%
HK$45,598
+HK$2,284/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,628/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,095
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,436
−HK$1,362/mo
Today · 4.125%
HK$45,798
baseline
▲ 0.50% · 4.625%
HK$48,585
+HK$2,787/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,596/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,943
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,229
−HK$1,304/mo
Today · 4.125%
HK$50,533
baseline
▲ 0.50% · 4.625%
HK$53,197
+HK$2,664/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,066/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,408
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,132
−HK$1,751/mo
Today · 4.125%
HK$58,883
baseline
▲ 0.50% · 4.625%
HK$62,466
+HK$3,583/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,766/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,641
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,294
−HK$1,678/mo
Today · 4.125%
HK$64,972
baseline
▲ 0.50% · 4.625%
HK$68,396
+HK$3,424/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,944/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,234 · Scale 2, in force from 26 Feb 2026)