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$1,931/mo
▼ 0.25% · 3.875%
HK$31,739
−HK$973/mo
Today · 4.125%
HK$32,712
baseline
▲ 0.50% · 4.625%
HK$34,702
+HK$1,990/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,424/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,244
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,162
−HK$932/mo
Today · 4.125%
HK$36,094
baseline
▲ 0.50% · 4.625%
HK$37,997
+HK$1,903/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$506,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,938
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,086
−HK$1,168/mo
Today · 4.125%
HK$39,254
baseline
▲ 0.50% · 4.625%
HK$41,642
+HK$2,388/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,508/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,093
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,195
−HK$1,118/mo
Today · 4.125%
HK$43,313
baseline
▲ 0.50% · 4.625%
HK$45,596
+HK$2,283/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,626/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,094
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,434
−HK$1,362/mo
Today · 4.125%
HK$45,796
baseline
▲ 0.50% · 4.625%
HK$48,583
+HK$2,787/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$506,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,941
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,227
−HK$1,305/mo
Today · 4.125%
HK$50,532
baseline
▲ 0.50% · 4.625%
HK$53,195
+HK$2,663/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,064/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,406
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,130
−HK$1,751/mo
Today · 4.125%
HK$58,881
baseline
▲ 0.50% · 4.625%
HK$62,464
+HK$3,583/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,762/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,639
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,292
−HK$1,677/mo
Today · 4.125%
HK$64,969
baseline
▲ 0.50% · 4.625%
HK$68,394
+HK$3,425/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,938/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,214 · Scale 2, in force from 26 Feb 2026)