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$30,772
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,729
−HK$973/mo
Today · 4.125%
HK$32,702
baseline
▲ 0.50% · 4.625%
HK$34,692
+HK$1,990/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,404/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$506,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,234
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,152
−HK$931/mo
Today · 4.125%
HK$36,083
baseline
▲ 0.50% · 4.625%
HK$37,985
+HK$1,902/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,166/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$506,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,927
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,075
−HK$1,167/mo
Today · 4.125%
HK$39,242
baseline
▲ 0.50% · 4.625%
HK$41,630
+HK$2,388/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,484/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$506,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,081
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,182
−HK$1,118/mo
Today · 4.125%
HK$43,300
baseline
▲ 0.50% · 4.625%
HK$45,582
+HK$2,282/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,600/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$506,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,081
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,421
−HK$1,362/mo
Today · 4.125%
HK$45,783
baseline
▲ 0.50% · 4.625%
HK$48,568
+HK$2,785/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,566/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$506,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,927
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,213
−HK$1,304/mo
Today · 4.125%
HK$50,517
baseline
▲ 0.50% · 4.625%
HK$53,179
+HK$2,662/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,034/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$506,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,390
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,113
−HK$1,750/mo
Today · 4.125%
HK$58,863
baseline
▲ 0.50% · 4.625%
HK$62,445
+HK$3,582/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,726/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,621
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,273
−HK$1,677/mo
Today · 4.125%
HK$64,950
baseline
▲ 0.50% · 4.625%
HK$68,374
+HK$3,424/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,900/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,065 · Scale 2, in force from 26 Feb 2026)