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$30,779
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,737
−HK$973/mo
Today · 4.125%
HK$32,710
baseline
▲ 0.50% · 4.625%
HK$34,700
+HK$1,990/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,420/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,242
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,160
−HK$932/mo
Today · 4.125%
HK$36,092
baseline
▲ 0.50% · 4.625%
HK$37,994
+HK$1,902/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,184/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,935
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,084
−HK$1,167/mo
Today · 4.125%
HK$39,251
baseline
▲ 0.50% · 4.625%
HK$41,640
+HK$2,389/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,502/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,090
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,192
−HK$1,118/mo
Today · 4.125%
HK$43,310
baseline
▲ 0.50% · 4.625%
HK$45,593
+HK$2,283/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,620/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,091
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,432
−HK$1,361/mo
Today · 4.125%
HK$45,793
baseline
▲ 0.50% · 4.625%
HK$48,580
+HK$2,787/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,586/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,939
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,224
−HK$1,305/mo
Today · 4.125%
HK$50,529
baseline
▲ 0.50% · 4.625%
HK$53,192
+HK$2,663/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,058/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,403
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,126
−HK$1,751/mo
Today · 4.125%
HK$58,877
baseline
▲ 0.50% · 4.625%
HK$62,460
+HK$3,583/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,754/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,635
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,288
−HK$1,677/mo
Today · 4.125%
HK$64,965
baseline
▲ 0.50% · 4.625%
HK$68,390
+HK$3,425/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,930/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,184 · Scale 2, in force from 26 Feb 2026)