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$27,383
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,235
−HK$865/mo
Today · 4.125%
HK$29,100
baseline
▲ 0.50% · 4.625%
HK$30,871
+HK$1,771/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,200/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,463
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,280
−HK$829/mo
Today · 4.125%
HK$32,109
baseline
▲ 0.50% · 4.625%
HK$33,802
+HK$1,693/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,218/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,859
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,882
−HK$1,038/mo
Today · 4.125%
HK$34,920
baseline
▲ 0.50% · 4.625%
HK$37,045
+HK$2,125/mo
Deposit HK$4.80M · loan HK$7.21M · min. income ≈ HK$69,840/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,556
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,536
−HK$995/mo
Today · 4.125%
HK$38,531
baseline
▲ 0.50% · 4.625%
HK$40,562
+HK$2,031/mo
Deposit HK$4.80M · loan HK$7.21M · min. income ≈ HK$77,062/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,336
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,529
−HK$1,211/mo
Today · 4.125%
HK$40,740
baseline
▲ 0.50% · 4.625%
HK$43,219
+HK$2,479/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,480/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,648
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,792
−HK$1,161/mo
Today · 4.125%
HK$44,953
baseline
▲ 0.50% · 4.625%
HK$47,322
+HK$2,369/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,906/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,289
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,822
−HK$1,558/mo
Today · 4.125%
HK$52,380
baseline
▲ 0.50% · 4.625%
HK$55,567
+HK$3,187/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,760/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,834
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,304
−HK$1,492/mo
Today · 4.125%
HK$57,796
baseline
▲ 0.50% · 4.625%
HK$60,843
+HK$3,047/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,592/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,326 · Scale 2, in force from 26 Feb 2026)