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$30,764
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,721
−HK$972/mo
Today · 4.125%
HK$32,693
baseline
▲ 0.50% · 4.625%
HK$34,682
+HK$1,989/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,386/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,225
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,143
−HK$931/mo
Today · 4.125%
HK$36,074
baseline
▲ 0.50% · 4.625%
HK$37,975
+HK$1,901/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,148/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,917
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,065
−HK$1,167/mo
Today · 4.125%
HK$39,232
baseline
▲ 0.50% · 4.625%
HK$41,619
+HK$2,387/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$78,464/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,070
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,171
−HK$1,117/mo
Today · 4.125%
HK$43,288
baseline
▲ 0.50% · 4.625%
HK$45,570
+HK$2,282/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$86,576/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,070
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,409
−HK$1,361/mo
Today · 4.125%
HK$45,770
baseline
▲ 0.50% · 4.625%
HK$48,555
+HK$2,785/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,540/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,915
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,200
−HK$1,303/mo
Today · 4.125%
HK$50,503
baseline
▲ 0.50% · 4.625%
HK$53,165
+HK$2,662/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$101,006/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,375
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,098
−HK$1,750/mo
Today · 4.125%
HK$58,848
baseline
▲ 0.50% · 4.625%
HK$62,428
+HK$3,580/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,696/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$505,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,604
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,257
−HK$1,676/mo
Today · 4.125%
HK$64,933
baseline
▲ 0.50% · 4.625%
HK$68,355
+HK$3,422/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,866/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$505,931 · Scale 2, in force from 26 Feb 2026)