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$27,376
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,228
−HK$865/mo
Today · 4.125%
HK$29,093
baseline
▲ 0.50% · 4.625%
HK$30,863
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,186/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,456
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,272
−HK$829/mo
Today · 4.125%
HK$32,101
baseline
▲ 0.50% · 4.625%
HK$33,793
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,202/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,851
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,873
−HK$1,038/mo
Today · 4.125%
HK$34,911
baseline
▲ 0.50% · 4.625%
HK$37,036
+HK$2,125/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,822/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,547
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,527
−HK$994/mo
Today · 4.125%
HK$38,521
baseline
▲ 0.50% · 4.625%
HK$40,552
+HK$2,031/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,042/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,326
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,519
−HK$1,211/mo
Today · 4.125%
HK$40,730
baseline
▲ 0.50% · 4.625%
HK$43,208
+HK$2,478/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,460/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,638
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,781
−HK$1,160/mo
Today · 4.125%
HK$44,941
baseline
▲ 0.50% · 4.625%
HK$47,310
+HK$2,369/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,882/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,277
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,810
−HK$1,557/mo
Today · 4.125%
HK$52,367
baseline
▲ 0.50% · 4.625%
HK$55,553
+HK$3,186/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,734/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,820
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,290
−HK$1,492/mo
Today · 4.125%
HK$57,782
baseline
▲ 0.50% · 4.625%
HK$60,827
+HK$3,045/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,564/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,213 · Scale 2, in force from 26 Feb 2026)