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$27,364
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,215
−HK$865/mo
Today · 4.125%
HK$29,080
baseline
▲ 0.50% · 4.625%
HK$30,849
+HK$1,769/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,160/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,442
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,258
−HK$828/mo
Today · 4.125%
HK$32,086
baseline
▲ 0.50% · 4.625%
HK$33,778
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,172/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,836
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,858
−HK$1,037/mo
Today · 4.125%
HK$34,895
baseline
▲ 0.50% · 4.625%
HK$37,019
+HK$2,124/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,790/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,530
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,510
−HK$994/mo
Today · 4.125%
HK$38,504
baseline
▲ 0.50% · 4.625%
HK$40,533
+HK$2,029/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,008/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,309
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,501
−HK$1,210/mo
Today · 4.125%
HK$40,711
baseline
▲ 0.50% · 4.625%
HK$43,189
+HK$2,478/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,422/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,618
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,761
−HK$1,160/mo
Today · 4.125%
HK$44,921
baseline
▲ 0.50% · 4.625%
HK$47,289
+HK$2,368/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,842/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,254
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,787
−HK$1,556/mo
Today · 4.125%
HK$52,343
baseline
▲ 0.50% · 4.625%
HK$55,528
+HK$3,185/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,686/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,795
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,265
−HK$1,490/mo
Today · 4.125%
HK$57,755
baseline
▲ 0.50% · 4.625%
HK$60,800
+HK$3,045/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,510/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,009 · Scale 2, in force from 26 Feb 2026)