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$30,766
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,723
−HK$972/mo
Today · 4.125%
HK$32,695
baseline
▲ 0.50% · 4.625%
HK$34,684
+HK$1,989/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,390/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,226
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,144
−HK$931/mo
Today · 4.125%
HK$36,075
baseline
▲ 0.50% · 4.625%
HK$37,977
+HK$1,902/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,150/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,919
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,067
−HK$1,167/mo
Today · 4.125%
HK$39,234
baseline
▲ 0.50% · 4.625%
HK$41,621
+HK$2,387/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,468/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,072
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,173
−HK$1,118/mo
Today · 4.125%
HK$43,291
baseline
▲ 0.50% · 4.625%
HK$45,572
+HK$2,281/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,582/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,072
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,412
−HK$1,361/mo
Today · 4.125%
HK$45,773
baseline
▲ 0.50% · 4.625%
HK$48,558
+HK$2,785/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,546/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,917
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,202
−HK$1,304/mo
Today · 4.125%
HK$50,506
baseline
▲ 0.50% · 4.625%
HK$53,168
+HK$2,662/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$101,012/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,378
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,101
−HK$1,750/mo
Today · 4.125%
HK$58,851
baseline
▲ 0.50% · 4.625%
HK$62,432
+HK$3,581/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,702/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$505,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,607
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,260
−HK$1,676/mo
Today · 4.125%
HK$64,936
baseline
▲ 0.50% · 4.625%
HK$68,359
+HK$3,423/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,872/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$505,955 · Scale 2, in force from 26 Feb 2026)