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$30,796
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,754
−HK$973/mo
Today · 4.125%
HK$32,727
baseline
▲ 0.50% · 4.625%
HK$34,718
+HK$1,991/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,454/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,260
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,179
−HK$932/mo
Today · 4.125%
HK$36,111
baseline
▲ 0.50% · 4.625%
HK$38,015
+HK$1,904/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,222/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,955
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,105
−HK$1,167/mo
Today · 4.125%
HK$39,272
baseline
▲ 0.50% · 4.625%
HK$41,662
+HK$2,390/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,544/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,112
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,215
−HK$1,118/mo
Today · 4.125%
HK$43,333
baseline
▲ 0.50% · 4.625%
HK$45,617
+HK$2,284/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,666/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,114
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,455
−HK$1,363/mo
Today · 4.125%
HK$45,818
baseline
▲ 0.50% · 4.625%
HK$48,606
+HK$2,788/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,636/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,964
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,250
−HK$1,305/mo
Today · 4.125%
HK$50,555
baseline
▲ 0.50% · 4.625%
HK$53,220
+HK$2,665/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,110/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,433
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,157
−HK$1,752/mo
Today · 4.125%
HK$58,909
baseline
▲ 0.50% · 4.625%
HK$62,493
+HK$3,584/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,818/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,668
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,322
−HK$1,678/mo
Today · 4.125%
HK$65,000
baseline
▲ 0.50% · 4.625%
HK$68,426
+HK$3,426/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$130,000/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,454 · Scale 2, in force from 26 Feb 2026)