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$30,804
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,763
−HK$973/mo
Today · 4.125%
HK$32,736
baseline
▲ 0.50% · 4.625%
HK$34,728
+HK$1,992/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,472/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,269
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,189
−HK$932/mo
Today · 4.125%
HK$36,121
baseline
▲ 0.50% · 4.625%
HK$38,025
+HK$1,904/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,242/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,965
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,115
−HK$1,168/mo
Today · 4.125%
HK$39,283
baseline
▲ 0.50% · 4.625%
HK$41,674
+HK$2,391/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$78,566/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,123
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,226
−HK$1,119/mo
Today · 4.125%
HK$43,345
baseline
▲ 0.50% · 4.625%
HK$45,630
+HK$2,285/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$86,690/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,126
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,468
−HK$1,362/mo
Today · 4.125%
HK$45,830
baseline
▲ 0.50% · 4.625%
HK$48,619
+HK$2,789/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,660/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,977
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,264
−HK$1,305/mo
Today · 4.125%
HK$50,569
baseline
▲ 0.50% · 4.625%
HK$53,235
+HK$2,666/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,138/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,448
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,173
−HK$1,752/mo
Today · 4.125%
HK$58,925
baseline
▲ 0.50% · 4.625%
HK$62,510
+HK$3,585/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,850/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,685
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,339
−HK$1,679/mo
Today · 4.125%
HK$65,018
baseline
▲ 0.50% · 4.625%
HK$68,445
+HK$3,427/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,036/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,594 · Scale 2, in force from 26 Feb 2026)