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$30,788
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,746
−HK$973/mo
Today · 4.125%
HK$32,719
baseline
▲ 0.50% · 4.625%
HK$34,709
+HK$1,990/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,438/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,251
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,170
−HK$932/mo
Today · 4.125%
HK$36,102
baseline
▲ 0.50% · 4.625%
HK$38,005
+HK$1,903/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,204/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,946
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,095
−HK$1,167/mo
Today · 4.125%
HK$39,262
baseline
▲ 0.50% · 4.625%
HK$41,651
+HK$2,389/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,524/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,102
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,204
−HK$1,118/mo
Today · 4.125%
HK$43,322
baseline
▲ 0.50% · 4.625%
HK$45,606
+HK$2,284/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,644/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,103
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,444
−HK$1,362/mo
Today · 4.125%
HK$45,806
baseline
▲ 0.50% · 4.625%
HK$48,593
+HK$2,787/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,612/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,952
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,238
−HK$1,305/mo
Today · 4.125%
HK$50,543
baseline
▲ 0.50% · 4.625%
HK$53,207
+HK$2,664/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,086/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,418
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,142
−HK$1,752/mo
Today · 4.125%
HK$58,894
baseline
▲ 0.50% · 4.625%
HK$62,477
+HK$3,583/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,788/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,652
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,306
−HK$1,677/mo
Today · 4.125%
HK$64,983
baseline
▲ 0.50% · 4.625%
HK$68,409
+HK$3,426/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,966/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,325 · Scale 2, in force from 26 Feb 2026)