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$27,381
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,233
−HK$865/mo
Today · 4.125%
HK$29,098
baseline
▲ 0.50% · 4.625%
HK$30,869
+HK$1,771/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,196/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,461
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,278
−HK$829/mo
Today · 4.125%
HK$32,107
baseline
▲ 0.50% · 4.625%
HK$33,800
+HK$1,693/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,214/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,858
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,880
−HK$1,038/mo
Today · 4.125%
HK$34,918
baseline
▲ 0.50% · 4.625%
HK$37,043
+HK$2,125/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,836/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,554
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,534
−HK$995/mo
Today · 4.125%
HK$38,529
baseline
▲ 0.50% · 4.625%
HK$40,560
+HK$2,031/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,058/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,334
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,526
−HK$1,212/mo
Today · 4.125%
HK$40,738
baseline
▲ 0.50% · 4.625%
HK$43,217
+HK$2,479/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,476/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,646
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,790
−HK$1,160/mo
Today · 4.125%
HK$44,950
baseline
▲ 0.50% · 4.625%
HK$47,319
+HK$2,369/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,900/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,286
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,820
−HK$1,557/mo
Today · 4.125%
HK$52,377
baseline
▲ 0.50% · 4.625%
HK$55,564
+HK$3,187/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,754/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,831
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,301
−HK$1,492/mo
Today · 4.125%
HK$57,793
baseline
▲ 0.50% · 4.625%
HK$60,839
+HK$3,046/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,586/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,301 · Scale 2, in force from 26 Feb 2026)