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$27,361
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,212
−HK$865/mo
Today · 4.125%
HK$29,077
baseline
▲ 0.50% · 4.625%
HK$30,846
+HK$1,769/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,154/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,439
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,256
−HK$828/mo
Today · 4.125%
HK$32,084
baseline
▲ 0.50% · 4.625%
HK$33,775
+HK$1,691/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,168/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,834
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,855
−HK$1,038/mo
Today · 4.125%
HK$34,893
baseline
▲ 0.50% · 4.625%
HK$37,016
+HK$2,123/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,786/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,527
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,507
−HK$994/mo
Today · 4.125%
HK$38,501
baseline
▲ 0.50% · 4.625%
HK$40,530
+HK$2,029/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,002/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,306
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,497
−HK$1,211/mo
Today · 4.125%
HK$40,708
baseline
▲ 0.50% · 4.625%
HK$43,185
+HK$2,477/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,416/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,615
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,758
−HK$1,159/mo
Today · 4.125%
HK$44,917
baseline
▲ 0.50% · 4.625%
HK$47,285
+HK$2,368/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,834/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,251
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,782
−HK$1,557/mo
Today · 4.125%
HK$52,339
baseline
▲ 0.50% · 4.625%
HK$55,524
+HK$3,185/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,678/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,791
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,260
−HK$1,491/mo
Today · 4.125%
HK$57,751
baseline
▲ 0.50% · 4.625%
HK$60,795
+HK$3,044/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,502/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,973 · Scale 2, in force from 26 Feb 2026)