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$27,366
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,217
−HK$865/mo
Today · 4.125%
HK$29,082
baseline
▲ 0.50% · 4.625%
HK$30,852
+HK$1,770/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,164/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,445
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,261
−HK$828/mo
Today · 4.125%
HK$32,089
baseline
▲ 0.50% · 4.625%
HK$33,781
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,178/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$450,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,839
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,861
−HK$1,038/mo
Today · 4.125%
HK$34,899
baseline
▲ 0.50% · 4.625%
HK$37,022
+HK$2,123/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,798/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,534
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,513
−HK$994/mo
Today · 4.125%
HK$38,507
baseline
▲ 0.50% · 4.625%
HK$40,537
+HK$2,030/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$77,014/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,313
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,504
−HK$1,211/mo
Today · 4.125%
HK$40,715
baseline
▲ 0.50% · 4.625%
HK$43,193
+HK$2,478/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,430/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,622
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,766
−HK$1,159/mo
Today · 4.125%
HK$44,925
baseline
▲ 0.50% · 4.625%
HK$47,293
+HK$2,368/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,850/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,259
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,791
−HK$1,557/mo
Today · 4.125%
HK$52,348
baseline
▲ 0.50% · 4.625%
HK$55,533
+HK$3,185/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$104,696/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,800
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,270
−HK$1,491/mo
Today · 4.125%
HK$57,761
baseline
▲ 0.50% · 4.625%
HK$60,806
+HK$3,045/mo
Deposit HK$1.20M · loan HK$10.80M · min. income ≈ HK$115,522/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,052 · Scale 2, in force from 26 Feb 2026)