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$27,361
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,212
−HK$864/mo
Today · 4.125%
HK$29,076
baseline
▲ 0.50% · 4.625%
HK$30,846
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,152/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,438
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,255
−HK$828/mo
Today · 4.125%
HK$32,083
baseline
▲ 0.50% · 4.625%
HK$33,774
+HK$1,691/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,166/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,833
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,854
−HK$1,038/mo
Today · 4.125%
HK$34,892
baseline
▲ 0.50% · 4.625%
HK$37,015
+HK$2,123/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,784/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,526
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,506
−HK$993/mo
Today · 4.125%
HK$38,499
baseline
▲ 0.50% · 4.625%
HK$40,529
+HK$2,030/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$76,998/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,305
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,496
−HK$1,211/mo
Today · 4.125%
HK$40,707
baseline
▲ 0.50% · 4.625%
HK$43,184
+HK$2,477/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,414/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,614
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,757
−HK$1,159/mo
Today · 4.125%
HK$44,916
baseline
▲ 0.50% · 4.625%
HK$47,284
+HK$2,368/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,832/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,249
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,781
−HK$1,556/mo
Today · 4.125%
HK$52,337
baseline
▲ 0.50% · 4.625%
HK$55,522
+HK$3,185/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,674/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,789
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,258
−HK$1,491/mo
Today · 4.125%
HK$57,749
baseline
▲ 0.50% · 4.625%
HK$60,793
+HK$3,044/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,498/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,959 · Scale 2, in force from 26 Feb 2026)