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$30,769
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,726
−HK$972/mo
Today · 4.125%
HK$32,698
baseline
▲ 0.50% · 4.625%
HK$34,688
+HK$1,990/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,396/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$506,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,230
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,148
−HK$931/mo
Today · 4.125%
HK$36,079
baseline
▲ 0.50% · 4.625%
HK$37,981
+HK$1,902/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,158/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$506,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,922
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,071
−HK$1,167/mo
Today · 4.125%
HK$39,238
baseline
▲ 0.50% · 4.625%
HK$41,625
+HK$2,387/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,476/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$506,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,076
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,177
−HK$1,118/mo
Today · 4.125%
HK$43,295
baseline
▲ 0.50% · 4.625%
HK$45,577
+HK$2,282/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,590/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$506,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,076
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,416
−HK$1,361/mo
Today · 4.125%
HK$45,777
baseline
▲ 0.50% · 4.625%
HK$48,563
+HK$2,786/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,554/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$506,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,922
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,207
−HK$1,304/mo
Today · 4.125%
HK$50,511
baseline
▲ 0.50% · 4.625%
HK$53,173
+HK$2,662/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,022/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$506,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,383
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,106
−HK$1,750/mo
Today · 4.125%
HK$58,856
baseline
▲ 0.50% · 4.625%
HK$62,438
+HK$3,582/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,712/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,614
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,266
−HK$1,676/mo
Today · 4.125%
HK$64,942
baseline
▲ 0.50% · 4.625%
HK$68,366
+HK$3,424/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,884/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,006 · Scale 2, in force from 26 Feb 2026)