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$27,348
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,198
−HK$865/mo
Today · 4.125%
HK$29,063
baseline
▲ 0.50% · 4.625%
HK$30,831
+HK$1,768/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,126/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,424
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,240
−HK$828/mo
Today · 4.125%
HK$32,068
baseline
▲ 0.50% · 4.625%
HK$33,758
+HK$1,690/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,136/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,817
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,838
−HK$1,037/mo
Today · 4.125%
HK$34,875
baseline
▲ 0.50% · 4.625%
HK$36,997
+HK$2,122/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,750/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,509
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,488
−HK$993/mo
Today · 4.125%
HK$38,481
baseline
▲ 0.50% · 4.625%
HK$40,510
+HK$2,029/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$76,962/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,287
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,478
−HK$1,210/mo
Today · 4.125%
HK$40,688
baseline
▲ 0.50% · 4.625%
HK$43,163
+HK$2,475/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,376/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,593
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,736
−HK$1,159/mo
Today · 4.125%
HK$44,895
baseline
▲ 0.50% · 4.625%
HK$47,261
+HK$2,366/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,790/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,226
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,757
−HK$1,556/mo
Today · 4.125%
HK$52,313
baseline
▲ 0.50% · 4.625%
HK$55,496
+HK$3,183/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,626/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,763
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,232
−HK$1,490/mo
Today · 4.125%
HK$57,722
baseline
▲ 0.50% · 4.625%
HK$60,764
+HK$3,042/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,444/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,745 · Scale 2, in force from 26 Feb 2026)