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$27,375
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,227
−HK$865/mo
Today · 4.125%
HK$29,092
baseline
▲ 0.50% · 4.625%
HK$30,862
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,184/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,455
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,271
−HK$829/mo
Today · 4.125%
HK$32,100
baseline
▲ 0.50% · 4.625%
HK$33,792
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,200/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,850
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,872
−HK$1,038/mo
Today · 4.125%
HK$34,910
baseline
▲ 0.50% · 4.625%
HK$37,034
+HK$2,124/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,820/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,546
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,526
−HK$994/mo
Today · 4.125%
HK$38,520
baseline
▲ 0.50% · 4.625%
HK$40,550
+HK$2,030/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,040/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,325
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,517
−HK$1,212/mo
Today · 4.125%
HK$40,729
baseline
▲ 0.50% · 4.625%
HK$43,207
+HK$2,478/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,458/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,637
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,780
−HK$1,160/mo
Today · 4.125%
HK$44,940
baseline
▲ 0.50% · 4.625%
HK$47,309
+HK$2,369/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,880/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,275
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,808
−HK$1,557/mo
Today · 4.125%
HK$52,365
baseline
▲ 0.50% · 4.625%
HK$55,552
+HK$3,187/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,730/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,818
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,289
−HK$1,491/mo
Today · 4.125%
HK$57,780
baseline
▲ 0.50% · 4.625%
HK$60,826
+HK$3,046/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,560/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,200 · Scale 2, in force from 26 Feb 2026)