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$30,775
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,732
−HK$973/mo
Today · 4.125%
HK$32,705
baseline
▲ 0.50% · 4.625%
HK$34,695
+HK$1,990/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,410/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$506,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,237
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,155
−HK$931/mo
Today · 4.125%
HK$36,086
baseline
▲ 0.50% · 4.625%
HK$37,989
+HK$1,903/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,172/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$506,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,930
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,078
−HK$1,168/mo
Today · 4.125%
HK$39,246
baseline
▲ 0.50% · 4.625%
HK$41,634
+HK$2,388/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,492/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$506,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,084
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,186
−HK$1,118/mo
Today · 4.125%
HK$43,304
baseline
▲ 0.50% · 4.625%
HK$45,586
+HK$2,282/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,608/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$506,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,085
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,425
−HK$1,362/mo
Today · 4.125%
HK$45,787
baseline
▲ 0.50% · 4.625%
HK$48,573
+HK$2,786/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,574/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$506,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,931
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,217
−HK$1,304/mo
Today · 4.125%
HK$50,521
baseline
▲ 0.50% · 4.625%
HK$53,184
+HK$2,663/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,042/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$506,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,395
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,118
−HK$1,750/mo
Today · 4.125%
HK$58,868
baseline
▲ 0.50% · 4.625%
HK$62,450
+HK$3,582/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,736/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,626
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,279
−HK$1,676/mo
Today · 4.125%
HK$64,955
baseline
▲ 0.50% · 4.625%
HK$68,379
+HK$3,424/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,910/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,108 · Scale 2, in force from 26 Feb 2026)