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$30,772
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,729
−HK$972/mo
Today · 4.125%
HK$32,701
baseline
▲ 0.50% · 4.625%
HK$34,691
+HK$1,990/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,402/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$506,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,233
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,151
−HK$932/mo
Today · 4.125%
HK$36,083
baseline
▲ 0.50% · 4.625%
HK$37,985
+HK$1,902/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,166/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$506,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,926
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,075
−HK$1,167/mo
Today · 4.125%
HK$39,242
baseline
▲ 0.50% · 4.625%
HK$41,629
+HK$2,387/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,484/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$506,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,080
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,182
−HK$1,117/mo
Today · 4.125%
HK$43,299
baseline
▲ 0.50% · 4.625%
HK$45,582
+HK$2,283/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,598/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$506,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,080
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,420
−HK$1,362/mo
Today · 4.125%
HK$45,782
baseline
▲ 0.50% · 4.625%
HK$48,568
+HK$2,786/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,564/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$506,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,927
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,212
−HK$1,304/mo
Today · 4.125%
HK$50,516
baseline
▲ 0.50% · 4.625%
HK$53,179
+HK$2,663/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,032/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$506,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,389
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,112
−HK$1,750/mo
Today · 4.125%
HK$58,862
baseline
▲ 0.50% · 4.625%
HK$62,444
+HK$3,582/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,724/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,620
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,272
−HK$1,677/mo
Today · 4.125%
HK$64,949
baseline
▲ 0.50% · 4.625%
HK$68,372
+HK$3,423/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,898/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,057 · Scale 2, in force from 26 Feb 2026)