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$30,785
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,743
−HK$973/mo
Today · 4.125%
HK$32,716
baseline
▲ 0.50% · 4.625%
HK$34,706
+HK$1,990/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,432/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,248
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,167
−HK$931/mo
Today · 4.125%
HK$36,098
baseline
▲ 0.50% · 4.625%
HK$38,001
+HK$1,903/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,196/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,942
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,091
−HK$1,168/mo
Today · 4.125%
HK$39,259
baseline
▲ 0.50% · 4.625%
HK$41,647
+HK$2,388/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,518/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,098
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,200
−HK$1,118/mo
Today · 4.125%
HK$43,318
baseline
▲ 0.50% · 4.625%
HK$45,601
+HK$2,283/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,636/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,099
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,440
−HK$1,362/mo
Today · 4.125%
HK$45,802
baseline
▲ 0.50% · 4.625%
HK$48,589
+HK$2,787/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,604/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,947
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,233
−HK$1,305/mo
Today · 4.125%
HK$50,538
baseline
▲ 0.50% · 4.625%
HK$53,202
+HK$2,664/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,076/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,413
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,137
−HK$1,751/mo
Today · 4.125%
HK$58,888
baseline
▲ 0.50% · 4.625%
HK$62,471
+HK$3,583/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,776/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,647
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,300
−HK$1,677/mo
Today · 4.125%
HK$64,977
baseline
▲ 0.50% · 4.625%
HK$68,402
+HK$3,425/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,954/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,277 · Scale 2, in force from 26 Feb 2026)