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$30,769
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,726
−HK$972/mo
Today · 4.125%
HK$32,698
baseline
▲ 0.50% · 4.625%
HK$34,688
+HK$1,990/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,396/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$506,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,230
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,148
−HK$932/mo
Today · 4.125%
HK$36,080
baseline
▲ 0.50% · 4.625%
HK$37,981
+HK$1,901/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,160/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$506,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,923
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,071
−HK$1,167/mo
Today · 4.125%
HK$39,238
baseline
▲ 0.50% · 4.625%
HK$41,626
+HK$2,388/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,476/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$506,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,076
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,178
−HK$1,117/mo
Today · 4.125%
HK$43,295
baseline
▲ 0.50% · 4.625%
HK$45,578
+HK$2,283/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,590/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$506,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,077
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,416
−HK$1,362/mo
Today · 4.125%
HK$45,778
baseline
▲ 0.50% · 4.625%
HK$48,563
+HK$2,785/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,556/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$506,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,922
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,207
−HK$1,304/mo
Today · 4.125%
HK$50,511
baseline
▲ 0.50% · 4.625%
HK$53,174
+HK$2,663/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,022/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$506,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,384
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,107
−HK$1,750/mo
Today · 4.125%
HK$58,857
baseline
▲ 0.50% · 4.625%
HK$62,439
+HK$3,582/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,714/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,614
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,267
−HK$1,676/mo
Today · 4.125%
HK$64,943
baseline
▲ 0.50% · 4.625%
HK$68,366
+HK$3,423/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,886/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,012 · Scale 2, in force from 26 Feb 2026)