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$30,801
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,760
−HK$973/mo
Today · 4.125%
HK$32,733
baseline
▲ 0.50% · 4.625%
HK$34,725
+HK$1,992/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,466/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,266
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,185
−HK$933/mo
Today · 4.125%
HK$36,118
baseline
▲ 0.50% · 4.625%
HK$38,021
+HK$1,903/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,236/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,962
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,111
−HK$1,169/mo
Today · 4.125%
HK$39,280
baseline
▲ 0.50% · 4.625%
HK$41,670
+HK$2,390/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,560/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,120
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,222
−HK$1,119/mo
Today · 4.125%
HK$43,341
baseline
▲ 0.50% · 4.625%
HK$45,626
+HK$2,285/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,682/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,122
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,463
−HK$1,363/mo
Today · 4.125%
HK$45,826
baseline
▲ 0.50% · 4.625%
HK$48,615
+HK$2,789/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,652/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,973
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,259
−HK$1,306/mo
Today · 4.125%
HK$50,565
baseline
▲ 0.50% · 4.625%
HK$53,230
+HK$2,665/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,130/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,443
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,167
−HK$1,752/mo
Today · 4.125%
HK$58,919
baseline
▲ 0.50% · 4.625%
HK$62,504
+HK$3,585/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,838/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,679
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,334
−HK$1,678/mo
Today · 4.125%
HK$65,012
baseline
▲ 0.50% · 4.625%
HK$68,439
+HK$3,427/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,024/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,546 · Scale 2, in force from 26 Feb 2026)