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$27,364
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,216
−HK$864/mo
Today · 4.125%
HK$29,080
baseline
▲ 0.50% · 4.625%
HK$30,850
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,160/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,443
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,259
−HK$828/mo
Today · 4.125%
HK$32,087
baseline
▲ 0.50% · 4.625%
HK$33,779
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,174/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,837
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,859
−HK$1,037/mo
Today · 4.125%
HK$34,896
baseline
▲ 0.50% · 4.625%
HK$37,020
+HK$2,124/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,792/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,531
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,511
−HK$994/mo
Today · 4.125%
HK$38,505
baseline
▲ 0.50% · 4.625%
HK$40,534
+HK$2,029/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,010/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,310
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,502
−HK$1,210/mo
Today · 4.125%
HK$40,712
baseline
▲ 0.50% · 4.625%
HK$43,190
+HK$2,478/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,424/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,620
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,763
−HK$1,159/mo
Today · 4.125%
HK$44,922
baseline
▲ 0.50% · 4.625%
HK$47,290
+HK$2,368/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,844/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,256
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,788
−HK$1,557/mo
Today · 4.125%
HK$52,345
baseline
▲ 0.50% · 4.625%
HK$55,530
+HK$3,185/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,690/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,797
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,266
−HK$1,491/mo
Today · 4.125%
HK$57,757
baseline
▲ 0.50% · 4.625%
HK$60,802
+HK$3,045/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,514/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,021 · Scale 2, in force from 26 Feb 2026)