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$30,768
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,725
−HK$973/mo
Today · 4.125%
HK$32,698
baseline
▲ 0.50% · 4.625%
HK$34,687
+HK$1,989/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,396/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,229
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,147
−HK$932/mo
Today · 4.125%
HK$36,079
baseline
▲ 0.50% · 4.625%
HK$37,980
+HK$1,901/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,158/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,922
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,070
−HK$1,167/mo
Today · 4.125%
HK$39,237
baseline
▲ 0.50% · 4.625%
HK$41,625
+HK$2,388/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,474/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,075
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,177
−HK$1,117/mo
Today · 4.125%
HK$43,294
baseline
▲ 0.50% · 4.625%
HK$45,576
+HK$2,282/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,588/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,075
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,415
−HK$1,362/mo
Today · 4.125%
HK$45,777
baseline
▲ 0.50% · 4.625%
HK$48,562
+HK$2,785/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,554/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,921
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,206
−HK$1,304/mo
Today · 4.125%
HK$50,510
baseline
▲ 0.50% · 4.625%
HK$53,173
+HK$2,663/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,020/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,383
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,105
−HK$1,751/mo
Today · 4.125%
HK$58,856
baseline
▲ 0.50% · 4.625%
HK$62,437
+HK$3,581/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,712/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$505,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,613
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,265
−HK$1,676/mo
Today · 4.125%
HK$64,941
baseline
▲ 0.50% · 4.625%
HK$68,365
+HK$3,424/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,882/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$505,999 · Scale 2, in force from 26 Feb 2026)