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$27,342
−HK$1,714/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$449,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,417
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,233
−HK$828/mo
Today · 4.125%
HK$32,061
baseline
▲ 0.50% · 4.625%
HK$33,751
+HK$1,690/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,122/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,810
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,830
−HK$1,037/mo
Today · 4.125%
HK$34,867
baseline
▲ 0.50% · 4.625%
HK$36,989
+HK$2,122/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$449,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,501
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,480
−HK$993/mo
Today · 4.125%
HK$38,473
baseline
▲ 0.50% · 4.625%
HK$40,501
+HK$2,028/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$76,946/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,278
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,469
−HK$1,210/mo
Today · 4.125%
HK$40,679
baseline
▲ 0.50% · 4.625%
HK$43,154
+HK$2,475/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,358/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,584
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,726
−HK$1,159/mo
Today · 4.125%
HK$44,885
baseline
▲ 0.50% · 4.625%
HK$47,251
+HK$2,366/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,770/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,215
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,746
−HK$1,555/mo
Today · 4.125%
HK$52,301
baseline
▲ 0.50% · 4.625%
HK$55,483
+HK$3,182/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,602/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,751
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,219
−HK$1,490/mo
Today · 4.125%
HK$57,709
baseline
▲ 0.50% · 4.625%
HK$60,751
+HK$3,042/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,418/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,647 · Scale 2, in force from 26 Feb 2026)