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$1,931/mo
▼ 0.25% · 3.875%
HK$31,759
−HK$973/mo
Today · 4.125%
HK$32,732
baseline
▲ 0.50% · 4.625%
HK$34,724
+HK$1,992/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,464/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,266
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,185
−HK$932/mo
Today · 4.125%
HK$36,117
baseline
▲ 0.50% · 4.625%
HK$38,021
+HK$1,904/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,234/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,961
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,111
−HK$1,168/mo
Today · 4.125%
HK$39,279
baseline
▲ 0.50% · 4.625%
HK$41,669
+HK$2,390/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,558/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,119
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,222
−HK$1,118/mo
Today · 4.125%
HK$43,340
baseline
▲ 0.50% · 4.625%
HK$45,625
+HK$2,285/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,680/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,121
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,463
−HK$1,362/mo
Today · 4.125%
HK$45,825
baseline
▲ 0.50% · 4.625%
HK$48,614
+HK$2,789/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,650/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,972
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,259
−HK$1,305/mo
Today · 4.125%
HK$50,564
baseline
▲ 0.50% · 4.625%
HK$53,229
+HK$2,665/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,128/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,442
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,166
−HK$1,752/mo
Today · 4.125%
HK$58,918
baseline
▲ 0.50% · 4.625%
HK$62,503
+HK$3,585/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,836/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,678
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,332
−HK$1,679/mo
Today · 4.125%
HK$65,011
baseline
▲ 0.50% · 4.625%
HK$68,437
+HK$3,426/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,022/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,537 · Scale 2, in force from 26 Feb 2026)