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$30,770
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,727
−HK$973/mo
Today · 4.125%
HK$32,700
baseline
▲ 0.50% · 4.625%
HK$34,689
+HK$1,989/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,400/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$506,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,231
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,150
−HK$931/mo
Today · 4.125%
HK$36,081
baseline
▲ 0.50% · 4.625%
HK$37,983
+HK$1,902/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,162/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$506,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,924
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,073
−HK$1,167/mo
Today · 4.125%
HK$39,240
baseline
▲ 0.50% · 4.625%
HK$41,627
+HK$2,387/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,480/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$506,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,078
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,179
−HK$1,118/mo
Today · 4.125%
HK$43,297
baseline
▲ 0.50% · 4.625%
HK$45,579
+HK$2,282/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,594/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$506,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,078
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,418
−HK$1,362/mo
Today · 4.125%
HK$45,780
baseline
▲ 0.50% · 4.625%
HK$48,565
+HK$2,785/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,560/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$506,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,924
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,209
−HK$1,304/mo
Today · 4.125%
HK$50,513
baseline
▲ 0.50% · 4.625%
HK$53,176
+HK$2,663/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,026/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$506,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,386
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,109
−HK$1,750/mo
Today · 4.125%
HK$58,859
baseline
▲ 0.50% · 4.625%
HK$62,441
+HK$3,582/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,718/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,617
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,269
−HK$1,677/mo
Today · 4.125%
HK$64,946
baseline
▲ 0.50% · 4.625%
HK$68,369
+HK$3,423/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,892/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,032 · Scale 2, in force from 26 Feb 2026)