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$27,352
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,203
−HK$864/mo
Today · 4.125%
HK$29,067
baseline
▲ 0.50% · 4.625%
HK$30,836
+HK$1,769/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,134/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,429
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,245
−HK$828/mo
Today · 4.125%
HK$32,073
baseline
▲ 0.50% · 4.625%
HK$33,764
+HK$1,691/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,146/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,823
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,844
−HK$1,037/mo
Today · 4.125%
HK$34,881
baseline
▲ 0.50% · 4.625%
HK$37,003
+HK$2,122/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,762/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,515
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,494
−HK$994/mo
Today · 4.125%
HK$38,488
baseline
▲ 0.50% · 4.625%
HK$40,516
+HK$2,028/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$76,976/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,293
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,484
−HK$1,210/mo
Today · 4.125%
HK$40,694
baseline
▲ 0.50% · 4.625%
HK$43,170
+HK$2,476/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,388/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,601
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,743
−HK$1,159/mo
Today · 4.125%
HK$44,902
baseline
▲ 0.50% · 4.625%
HK$47,269
+HK$2,367/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,804/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,234
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,765
−HK$1,556/mo
Today · 4.125%
HK$52,321
baseline
▲ 0.50% · 4.625%
HK$55,505
+HK$3,184/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,642/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,772
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,241
−HK$1,490/mo
Today · 4.125%
HK$57,731
baseline
▲ 0.50% · 4.625%
HK$60,774
+HK$3,043/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,462/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,821 · Scale 2, in force from 26 Feb 2026)