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$27,341
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,192
−HK$864/mo
Today · 4.125%
HK$29,056
baseline
▲ 0.50% · 4.625%
HK$30,824
+HK$1,768/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,112/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,417
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,233
−HK$827/mo
Today · 4.125%
HK$32,060
baseline
▲ 0.50% · 4.625%
HK$33,750
+HK$1,690/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,120/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,809
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,830
−HK$1,037/mo
Today · 4.125%
HK$34,867
baseline
▲ 0.50% · 4.625%
HK$36,988
+HK$2,121/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$69,734/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,500
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,479
−HK$993/mo
Today · 4.125%
HK$38,472
baseline
▲ 0.50% · 4.625%
HK$40,500
+HK$2,028/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$76,944/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,278
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,468
−HK$1,210/mo
Today · 4.125%
HK$40,678
baseline
▲ 0.50% · 4.625%
HK$43,153
+HK$2,475/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,356/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,584
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,726
−HK$1,158/mo
Today · 4.125%
HK$44,884
baseline
▲ 0.50% · 4.625%
HK$47,250
+HK$2,366/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,768/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,214
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,745
−HK$1,555/mo
Today · 4.125%
HK$52,300
baseline
▲ 0.50% · 4.625%
HK$55,483
+HK$3,183/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,600/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,750
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,219
−HK$1,489/mo
Today · 4.125%
HK$57,708
baseline
▲ 0.50% · 4.625%
HK$60,750
+HK$3,042/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,416/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,641 · Scale 2, in force from 26 Feb 2026)