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$27,362
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,213
−HK$865/mo
Today · 4.125%
HK$29,078
baseline
▲ 0.50% · 4.625%
HK$30,848
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,156/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,440
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,257
−HK$828/mo
Today · 4.125%
HK$32,085
baseline
▲ 0.50% · 4.625%
HK$33,776
+HK$1,691/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,170/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,835
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,856
−HK$1,038/mo
Today · 4.125%
HK$34,894
baseline
▲ 0.50% · 4.625%
HK$37,017
+HK$2,123/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,788/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,528
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,508
−HK$994/mo
Today · 4.125%
HK$38,502
baseline
▲ 0.50% · 4.625%
HK$40,531
+HK$2,029/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,004/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,307
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,499
−HK$1,211/mo
Today · 4.125%
HK$40,710
baseline
▲ 0.50% · 4.625%
HK$43,187
+HK$2,477/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,420/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,616
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,759
−HK$1,160/mo
Today · 4.125%
HK$44,919
baseline
▲ 0.50% · 4.625%
HK$47,287
+HK$2,368/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,838/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,252
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,784
−HK$1,557/mo
Today · 4.125%
HK$52,341
baseline
▲ 0.50% · 4.625%
HK$55,526
+HK$3,185/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,682/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,793
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,262
−HK$1,491/mo
Today · 4.125%
HK$57,753
baseline
▲ 0.50% · 4.625%
HK$60,797
+HK$3,044/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,506/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,989 · Scale 2, in force from 26 Feb 2026)