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$27,373
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,224
−HK$865/mo
Today · 4.125%
HK$29,089
baseline
▲ 0.50% · 4.625%
HK$30,859
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,178/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,452
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,269
−HK$828/mo
Today · 4.125%
HK$32,097
baseline
▲ 0.50% · 4.625%
HK$33,789
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,194/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,847
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,869
−HK$1,038/mo
Today · 4.125%
HK$34,907
baseline
▲ 0.50% · 4.625%
HK$37,031
+HK$2,124/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,814/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,542
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,522
−HK$994/mo
Today · 4.125%
HK$38,516
baseline
▲ 0.50% · 4.625%
HK$40,547
+HK$2,031/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,032/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,322
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,514
−HK$1,211/mo
Today · 4.125%
HK$40,725
baseline
▲ 0.50% · 4.625%
HK$43,203
+HK$2,478/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,450/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,633
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,776
−HK$1,160/mo
Today · 4.125%
HK$44,936
baseline
▲ 0.50% · 4.625%
HK$47,304
+HK$2,368/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,872/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,271
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,803
−HK$1,558/mo
Today · 4.125%
HK$52,361
baseline
▲ 0.50% · 4.625%
HK$55,547
+HK$3,186/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,722/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,813
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,283
−HK$1,492/mo
Today · 4.125%
HK$57,775
baseline
▲ 0.50% · 4.625%
HK$60,820
+HK$3,045/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,550/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,158 · Scale 2, in force from 26 Feb 2026)