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$27,343
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,193
−HK$864/mo
Today · 4.125%
HK$29,057
baseline
▲ 0.50% · 4.625%
HK$30,825
+HK$1,768/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,114/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,418
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,234
−HK$828/mo
Today · 4.125%
HK$32,062
baseline
▲ 0.50% · 4.625%
HK$33,752
+HK$1,690/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,124/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,811
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,832
−HK$1,037/mo
Today · 4.125%
HK$34,869
baseline
▲ 0.50% · 4.625%
HK$36,990
+HK$2,121/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$69,738/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,502
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,481
−HK$993/mo
Today · 4.125%
HK$38,474
baseline
▲ 0.50% · 4.625%
HK$40,502
+HK$2,028/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$76,948/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,280
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,470
−HK$1,210/mo
Today · 4.125%
HK$40,680
baseline
▲ 0.50% · 4.625%
HK$43,155
+HK$2,475/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,360/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,586
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,728
−HK$1,159/mo
Today · 4.125%
HK$44,887
baseline
▲ 0.50% · 4.625%
HK$47,253
+HK$2,366/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,774/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,217
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,748
−HK$1,555/mo
Today · 4.125%
HK$52,303
baseline
▲ 0.50% · 4.625%
HK$55,486
+HK$3,183/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,606/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,753
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,222
−HK$1,489/mo
Today · 4.125%
HK$57,711
baseline
▲ 0.50% · 4.625%
HK$60,753
+HK$3,042/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,422/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,664 · Scale 2, in force from 26 Feb 2026)