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$30,799
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,757
−HK$973/mo
Today · 4.125%
HK$32,730
baseline
▲ 0.50% · 4.625%
HK$34,722
+HK$1,992/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,460/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,263
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,182
−HK$933/mo
Today · 4.125%
HK$36,115
baseline
▲ 0.50% · 4.625%
HK$38,018
+HK$1,903/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,230/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,959
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,108
−HK$1,168/mo
Today · 4.125%
HK$39,276
baseline
▲ 0.50% · 4.625%
HK$41,666
+HK$2,390/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,552/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,116
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,219
−HK$1,119/mo
Today · 4.125%
HK$43,338
baseline
▲ 0.50% · 4.625%
HK$45,622
+HK$2,284/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,676/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,118
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,460
−HK$1,362/mo
Today · 4.125%
HK$45,822
baseline
▲ 0.50% · 4.625%
HK$48,611
+HK$2,789/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,644/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,969
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,255
−HK$1,305/mo
Today · 4.125%
HK$50,560
baseline
▲ 0.50% · 4.625%
HK$53,226
+HK$2,666/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,120/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,438
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,162
−HK$1,752/mo
Today · 4.125%
HK$58,914
baseline
▲ 0.50% · 4.625%
HK$62,499
+HK$3,585/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,828/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,674
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,328
−HK$1,678/mo
Today · 4.125%
HK$65,006
baseline
▲ 0.50% · 4.625%
HK$68,433
+HK$3,427/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,012/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,504 · Scale 2, in force from 26 Feb 2026)