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$30,803
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,761
−HK$973/mo
Today · 4.125%
HK$32,734
baseline
▲ 0.50% · 4.625%
HK$34,726
+HK$1,992/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,468/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,268
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,187
−HK$932/mo
Today · 4.125%
HK$36,119
baseline
▲ 0.50% · 4.625%
HK$38,023
+HK$1,904/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,238/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,963
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,113
−HK$1,168/mo
Today · 4.125%
HK$39,281
baseline
▲ 0.50% · 4.625%
HK$41,671
+HK$2,390/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$78,562/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,121
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,224
−HK$1,119/mo
Today · 4.125%
HK$43,343
baseline
▲ 0.50% · 4.625%
HK$45,627
+HK$2,284/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$86,686/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,124
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,465
−HK$1,363/mo
Today · 4.125%
HK$45,828
baseline
▲ 0.50% · 4.625%
HK$48,616
+HK$2,788/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,656/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,975
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,261
−HK$1,306/mo
Today · 4.125%
HK$50,567
baseline
▲ 0.50% · 4.625%
HK$53,232
+HK$2,665/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,134/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,445
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,169
−HK$1,753/mo
Today · 4.125%
HK$58,922
baseline
▲ 0.50% · 4.625%
HK$62,507
+HK$3,585/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,844/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,682
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,336
−HK$1,678/mo
Today · 4.125%
HK$65,014
baseline
▲ 0.50% · 4.625%
HK$68,441
+HK$3,427/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,028/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,566 · Scale 2, in force from 26 Feb 2026)