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$30,762
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,719
−HK$972/mo
Today · 4.125%
HK$32,691
baseline
▲ 0.50% · 4.625%
HK$34,680
+HK$1,989/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,382/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,223
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,140
−HK$932/mo
Today · 4.125%
HK$36,072
baseline
▲ 0.50% · 4.625%
HK$37,973
+HK$1,901/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,144/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,915
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,063
−HK$1,166/mo
Today · 4.125%
HK$39,229
baseline
▲ 0.50% · 4.625%
HK$41,616
+HK$2,387/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$78,458/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,067
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,168
−HK$1,118/mo
Today · 4.125%
HK$43,286
baseline
▲ 0.50% · 4.625%
HK$45,567
+HK$2,281/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$86,572/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,067
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,407
−HK$1,361/mo
Today · 4.125%
HK$45,768
baseline
▲ 0.50% · 4.625%
HK$48,553
+HK$2,785/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,536/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,912
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,197
−HK$1,303/mo
Today · 4.125%
HK$50,500
baseline
▲ 0.50% · 4.625%
HK$53,162
+HK$2,662/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$101,000/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,372
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,094
−HK$1,750/mo
Today · 4.125%
HK$58,844
baseline
▲ 0.50% · 4.625%
HK$62,425
+HK$3,581/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,688/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,601
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,253
−HK$1,676/mo
Today · 4.125%
HK$64,929
baseline
▲ 0.50% · 4.625%
HK$68,351
+HK$3,422/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,858/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,900 · Scale 2, in force from 26 Feb 2026)