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$30,787
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,745
−HK$973/mo
Today · 4.125%
HK$32,718
baseline
▲ 0.50% · 4.625%
HK$34,709
+HK$1,991/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,436/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,250
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,169
−HK$932/mo
Today · 4.125%
HK$36,101
baseline
▲ 0.50% · 4.625%
HK$38,004
+HK$1,903/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,202/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,945
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,094
−HK$1,167/mo
Today · 4.125%
HK$39,261
baseline
▲ 0.50% · 4.625%
HK$41,650
+HK$2,389/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,522/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,101
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,203
−HK$1,118/mo
Today · 4.125%
HK$43,321
baseline
▲ 0.50% · 4.625%
HK$45,605
+HK$2,284/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,642/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,102
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,443
−HK$1,362/mo
Today · 4.125%
HK$45,805
baseline
▲ 0.50% · 4.625%
HK$48,592
+HK$2,787/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,610/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,951
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,237
−HK$1,304/mo
Today · 4.125%
HK$50,541
baseline
▲ 0.50% · 4.625%
HK$53,205
+HK$2,664/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,082/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,417
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,141
−HK$1,751/mo
Today · 4.125%
HK$58,892
baseline
▲ 0.50% · 4.625%
HK$62,476
+HK$3,584/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,784/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,651
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,304
−HK$1,678/mo
Today · 4.125%
HK$64,982
baseline
▲ 0.50% · 4.625%
HK$68,407
+HK$3,425/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,964/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,312 · Scale 2, in force from 26 Feb 2026)