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$30,792
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,749
−HK$974/mo
Today · 4.125%
HK$32,723
baseline
▲ 0.50% · 4.625%
HK$34,714
+HK$1,991/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,446/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,255
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,174
−HK$932/mo
Today · 4.125%
HK$36,106
baseline
▲ 0.50% · 4.625%
HK$38,009
+HK$1,903/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,212/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,950
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,099
−HK$1,168/mo
Today · 4.125%
HK$39,267
baseline
▲ 0.50% · 4.625%
HK$41,656
+HK$2,389/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$78,534/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,106
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,209
−HK$1,118/mo
Today · 4.125%
HK$43,327
baseline
▲ 0.50% · 4.625%
HK$45,611
+HK$2,284/mo
Deposit HK$5.40M · loan HK$8.10M · min. income ≈ HK$86,654/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,108
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,449
−HK$1,363/mo
Today · 4.125%
HK$45,812
baseline
▲ 0.50% · 4.625%
HK$48,599
+HK$2,787/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$91,624/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,958
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,244
−HK$1,305/mo
Today · 4.125%
HK$50,549
baseline
▲ 0.50% · 4.625%
HK$53,213
+HK$2,664/mo
Deposit HK$4.05M · loan HK$9.45M · min. income ≈ HK$101,098/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,425
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,149
−HK$1,752/mo
Today · 4.125%
HK$58,901
baseline
▲ 0.50% · 4.625%
HK$62,485
+HK$3,584/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$117,802/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,660
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,313
−HK$1,678/mo
Today · 4.125%
HK$64,991
baseline
▲ 0.50% · 4.625%
HK$68,417
+HK$3,426/mo
Deposit HK$1.35M · loan HK$12.15M · min. income ≈ HK$129,982/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,385 · Scale 2, in force from 26 Feb 2026)