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$30,799
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,758
−HK$973/mo
Today · 4.125%
HK$32,731
baseline
▲ 0.50% · 4.625%
HK$34,722
+HK$1,991/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,462/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,264
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,183
−HK$932/mo
Today · 4.125%
HK$36,115
baseline
▲ 0.50% · 4.625%
HK$38,019
+HK$1,904/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,230/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,959
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,109
−HK$1,168/mo
Today · 4.125%
HK$39,277
baseline
▲ 0.50% · 4.625%
HK$41,667
+HK$2,390/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,554/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,117
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,220
−HK$1,118/mo
Today · 4.125%
HK$43,338
baseline
▲ 0.50% · 4.625%
HK$45,623
+HK$2,285/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,676/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,119
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,461
−HK$1,362/mo
Today · 4.125%
HK$45,823
baseline
▲ 0.50% · 4.625%
HK$48,611
+HK$2,788/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,646/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,970
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,256
−HK$1,305/mo
Today · 4.125%
HK$50,561
baseline
▲ 0.50% · 4.625%
HK$53,227
+HK$2,666/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,122/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,439
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,164
−HK$1,752/mo
Today · 4.125%
HK$58,916
baseline
▲ 0.50% · 4.625%
HK$62,500
+HK$3,584/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,832/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,675
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,329
−HK$1,679/mo
Today · 4.125%
HK$65,008
baseline
▲ 0.50% · 4.625%
HK$68,434
+HK$3,426/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,016/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,514 · Scale 2, in force from 26 Feb 2026)