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$30,763
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,720
−HK$972/mo
Today · 4.125%
HK$32,692
baseline
▲ 0.50% · 4.625%
HK$34,681
+HK$1,989/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,384/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,224
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,141
−HK$932/mo
Today · 4.125%
HK$36,073
baseline
▲ 0.50% · 4.625%
HK$37,974
+HK$1,901/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,146/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,916
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,064
−HK$1,167/mo
Today · 4.125%
HK$39,231
baseline
▲ 0.50% · 4.625%
HK$41,618
+HK$2,387/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$78,462/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,068
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,170
−HK$1,117/mo
Today · 4.125%
HK$43,287
baseline
▲ 0.50% · 4.625%
HK$45,569
+HK$2,282/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$86,574/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,068
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,408
−HK$1,361/mo
Today · 4.125%
HK$45,769
baseline
▲ 0.50% · 4.625%
HK$48,554
+HK$2,785/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,538/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,913
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,198
−HK$1,304/mo
Today · 4.125%
HK$50,502
baseline
▲ 0.50% · 4.625%
HK$53,164
+HK$2,662/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$101,004/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,373
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,096
−HK$1,750/mo
Today · 4.125%
HK$58,846
baseline
▲ 0.50% · 4.625%
HK$62,426
+HK$3,580/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,692/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$505,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,602
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,254
−HK$1,677/mo
Today · 4.125%
HK$64,931
baseline
▲ 0.50% · 4.625%
HK$68,353
+HK$3,422/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,862/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$505,914 · Scale 2, in force from 26 Feb 2026)