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$30,794
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,752
−HK$973/mo
Today · 4.125%
HK$32,725
baseline
▲ 0.50% · 4.625%
HK$34,716
+HK$1,991/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,450/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,258
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,177
−HK$932/mo
Today · 4.125%
HK$36,109
baseline
▲ 0.50% · 4.625%
HK$38,012
+HK$1,903/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,218/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,953
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,102
−HK$1,168/mo
Today · 4.125%
HK$39,270
baseline
▲ 0.50% · 4.625%
HK$41,660
+HK$2,390/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,540/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,110
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,212
−HK$1,119/mo
Today · 4.125%
HK$43,331
baseline
▲ 0.50% · 4.625%
HK$45,615
+HK$2,284/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,662/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,112
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,453
−HK$1,362/mo
Today · 4.125%
HK$45,815
baseline
▲ 0.50% · 4.625%
HK$48,603
+HK$2,788/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,630/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,961
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,248
−HK$1,304/mo
Today · 4.125%
HK$50,552
baseline
▲ 0.50% · 4.625%
HK$53,217
+HK$2,665/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,104/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,429
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,153
−HK$1,752/mo
Today · 4.125%
HK$58,905
baseline
▲ 0.50% · 4.625%
HK$62,489
+HK$3,584/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,810/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,665
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,318
−HK$1,678/mo
Today · 4.125%
HK$64,996
baseline
▲ 0.50% · 4.625%
HK$68,422
+HK$3,426/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,992/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,424 · Scale 2, in force from 26 Feb 2026)