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$30,791
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,749
−HK$973/mo
Today · 4.125%
HK$32,722
baseline
▲ 0.50% · 4.625%
HK$34,713
+HK$1,991/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,444/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,255
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,174
−HK$932/mo
Today · 4.125%
HK$36,106
baseline
▲ 0.50% · 4.625%
HK$38,009
+HK$1,903/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,212/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,950
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,099
−HK$1,168/mo
Today · 4.125%
HK$39,267
baseline
▲ 0.50% · 4.625%
HK$41,656
+HK$2,389/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,534/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,106
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,208
−HK$1,119/mo
Today · 4.125%
HK$43,327
baseline
▲ 0.50% · 4.625%
HK$45,611
+HK$2,284/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,654/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,108
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,449
−HK$1,362/mo
Today · 4.125%
HK$45,811
baseline
▲ 0.50% · 4.625%
HK$48,599
+HK$2,788/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,622/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,957
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,243
−HK$1,305/mo
Today · 4.125%
HK$50,548
baseline
▲ 0.50% · 4.625%
HK$53,212
+HK$2,664/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,096/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,424
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,148
−HK$1,752/mo
Today · 4.125%
HK$58,900
baseline
▲ 0.50% · 4.625%
HK$62,484
+HK$3,584/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,800/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,659
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,313
−HK$1,677/mo
Today · 4.125%
HK$64,990
baseline
▲ 0.50% · 4.625%
HK$68,416
+HK$3,426/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,980/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,379 · Scale 2, in force from 26 Feb 2026)