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$30,780
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,738
−HK$972/mo
Today · 4.125%
HK$32,710
baseline
▲ 0.50% · 4.625%
HK$34,701
+HK$1,991/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,420/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,243
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,161
−HK$932/mo
Today · 4.125%
HK$36,093
baseline
▲ 0.50% · 4.625%
HK$37,995
+HK$1,902/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,186/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,936
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,085
−HK$1,168/mo
Today · 4.125%
HK$39,253
baseline
▲ 0.50% · 4.625%
HK$41,641
+HK$2,388/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,506/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,091
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,193
−HK$1,118/mo
Today · 4.125%
HK$43,311
baseline
▲ 0.50% · 4.625%
HK$45,594
+HK$2,283/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,622/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,092
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,433
−HK$1,362/mo
Today · 4.125%
HK$45,795
baseline
▲ 0.50% · 4.625%
HK$48,581
+HK$2,786/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,590/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,940
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,226
−HK$1,304/mo
Today · 4.125%
HK$50,530
baseline
▲ 0.50% · 4.625%
HK$53,193
+HK$2,663/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,060/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,404
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,128
−HK$1,751/mo
Today · 4.125%
HK$58,879
baseline
▲ 0.50% · 4.625%
HK$62,461
+HK$3,582/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,758/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,637
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,290
−HK$1,677/mo
Today · 4.125%
HK$64,967
baseline
▲ 0.50% · 4.625%
HK$68,391
+HK$3,424/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,934/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,198 · Scale 2, in force from 26 Feb 2026)