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$30,781
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,738
−HK$973/mo
Today · 4.125%
HK$32,711
baseline
▲ 0.50% · 4.625%
HK$34,702
+HK$1,991/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,422/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,243
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,162
−HK$932/mo
Today · 4.125%
HK$36,094
baseline
▲ 0.50% · 4.625%
HK$37,996
+HK$1,902/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,188/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,937
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,086
−HK$1,167/mo
Today · 4.125%
HK$39,253
baseline
▲ 0.50% · 4.625%
HK$41,642
+HK$2,389/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,506/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,092
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,194
−HK$1,118/mo
Today · 4.125%
HK$43,312
baseline
▲ 0.50% · 4.625%
HK$45,595
+HK$2,283/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,624/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,093
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,434
−HK$1,362/mo
Today · 4.125%
HK$45,796
baseline
▲ 0.50% · 4.625%
HK$48,582
+HK$2,786/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,592/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,941
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,227
−HK$1,304/mo
Today · 4.125%
HK$50,531
baseline
▲ 0.50% · 4.625%
HK$53,195
+HK$2,664/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,062/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,406
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,129
−HK$1,751/mo
Today · 4.125%
HK$58,880
baseline
▲ 0.50% · 4.625%
HK$62,463
+HK$3,583/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,760/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,638
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,291
−HK$1,677/mo
Today · 4.125%
HK$64,968
baseline
▲ 0.50% · 4.625%
HK$68,393
+HK$3,425/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,936/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,209 · Scale 2, in force from 26 Feb 2026)