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$30,784
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,742
−HK$973/mo
Today · 4.125%
HK$32,715
baseline
▲ 0.50% · 4.625%
HK$34,706
+HK$1,991/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,430/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,247
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,166
−HK$932/mo
Today · 4.125%
HK$36,098
baseline
▲ 0.50% · 4.625%
HK$38,000
+HK$1,902/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,196/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,941
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,090
−HK$1,168/mo
Today · 4.125%
HK$39,258
baseline
▲ 0.50% · 4.625%
HK$41,647
+HK$2,389/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,516/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,097
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,199
−HK$1,118/mo
Today · 4.125%
HK$43,317
baseline
▲ 0.50% · 4.625%
HK$45,601
+HK$2,284/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,634/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,098
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,439
−HK$1,362/mo
Today · 4.125%
HK$45,801
baseline
▲ 0.50% · 4.625%
HK$48,588
+HK$2,787/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,602/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,946
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,232
−HK$1,305/mo
Today · 4.125%
HK$50,537
baseline
▲ 0.50% · 4.625%
HK$53,201
+HK$2,664/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,074/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,412
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,136
−HK$1,751/mo
Today · 4.125%
HK$58,887
baseline
▲ 0.50% · 4.625%
HK$62,470
+HK$3,583/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,774/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,645
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,299
−HK$1,677/mo
Today · 4.125%
HK$64,976
baseline
▲ 0.50% · 4.625%
HK$68,401
+HK$3,425/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,952/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,267 · Scale 2, in force from 26 Feb 2026)