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$27,345
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,195
−HK$865/mo
Today · 4.125%
HK$29,060
baseline
▲ 0.50% · 4.625%
HK$30,828
+HK$1,768/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,120/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,421
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,237
−HK$827/mo
Today · 4.125%
HK$32,064
baseline
▲ 0.50% · 4.625%
HK$33,754
+HK$1,690/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,128/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,814
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,834
−HK$1,037/mo
Today · 4.125%
HK$34,871
baseline
▲ 0.50% · 4.625%
HK$36,993
+HK$2,122/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,742/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,505
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,484
−HK$993/mo
Today · 4.125%
HK$38,477
baseline
▲ 0.50% · 4.625%
HK$40,505
+HK$2,028/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$76,954/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,283
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,473
−HK$1,210/mo
Today · 4.125%
HK$40,683
baseline
▲ 0.50% · 4.625%
HK$43,159
+HK$2,476/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,366/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,589
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,731
−HK$1,159/mo
Today · 4.125%
HK$44,890
baseline
▲ 0.50% · 4.625%
HK$47,256
+HK$2,366/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,780/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,221
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,752
−HK$1,555/mo
Today · 4.125%
HK$52,307
baseline
▲ 0.50% · 4.625%
HK$55,490
+HK$3,183/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,614/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,757
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,226
−HK$1,490/mo
Today · 4.125%
HK$57,716
baseline
▲ 0.50% · 4.625%
HK$60,758
+HK$3,042/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,432/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,699 · Scale 2, in force from 26 Feb 2026)