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$30,791
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,748
−HK$973/mo
Today · 4.125%
HK$32,721
baseline
▲ 0.50% · 4.625%
HK$34,712
+HK$1,991/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,442/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,254
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,173
−HK$932/mo
Today · 4.125%
HK$36,105
baseline
▲ 0.50% · 4.625%
HK$38,008
+HK$1,903/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,210/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,949
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,098
−HK$1,168/mo
Today · 4.125%
HK$39,266
baseline
▲ 0.50% · 4.625%
HK$41,655
+HK$2,389/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,532/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,105
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,207
−HK$1,119/mo
Today · 4.125%
HK$43,326
baseline
▲ 0.50% · 4.625%
HK$45,610
+HK$2,284/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,652/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,107
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,448
−HK$1,362/mo
Today · 4.125%
HK$45,810
baseline
▲ 0.50% · 4.625%
HK$48,597
+HK$2,787/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,620/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,956
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,242
−HK$1,305/mo
Today · 4.125%
HK$50,547
baseline
▲ 0.50% · 4.625%
HK$53,211
+HK$2,664/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,094/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,423
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,147
−HK$1,751/mo
Today · 4.125%
HK$58,898
baseline
▲ 0.50% · 4.625%
HK$62,482
+HK$3,584/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,796/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,657
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,311
−HK$1,678/mo
Today · 4.125%
HK$64,989
baseline
▲ 0.50% · 4.625%
HK$68,414
+HK$3,425/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,978/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,367 · Scale 2, in force from 26 Feb 2026)