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$27,384
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,236
−HK$865/mo
Today · 4.125%
HK$29,101
baseline
▲ 0.50% · 4.625%
HK$30,872
+HK$1,771/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,202/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,465
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,282
−HK$829/mo
Today · 4.125%
HK$32,111
baseline
▲ 0.50% · 4.625%
HK$33,803
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,222/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,861
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,883
−HK$1,039/mo
Today · 4.125%
HK$34,922
baseline
▲ 0.50% · 4.625%
HK$37,047
+HK$2,125/mo
Deposit HK$4.80M · loan HK$7.21M · min. income ≈ HK$69,844/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,558
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,538
−HK$995/mo
Today · 4.125%
HK$38,533
baseline
▲ 0.50% · 4.625%
HK$40,564
+HK$2,031/mo
Deposit HK$4.80M · loan HK$7.21M · min. income ≈ HK$77,066/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,338
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,530
−HK$1,212/mo
Today · 4.125%
HK$40,742
baseline
▲ 0.50% · 4.625%
HK$43,221
+HK$2,479/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,484/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,651
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,794
−HK$1,161/mo
Today · 4.125%
HK$44,955
baseline
▲ 0.50% · 4.625%
HK$47,324
+HK$2,369/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,910/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,292
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,825
−HK$1,558/mo
Today · 4.125%
HK$52,383
baseline
▲ 0.50% · 4.625%
HK$55,570
+HK$3,187/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,766/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,836
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,307
−HK$1,492/mo
Today · 4.125%
HK$57,799
baseline
▲ 0.50% · 4.625%
HK$60,846
+HK$3,047/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,598/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,348 · Scale 2, in force from 26 Feb 2026)