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$27,385
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,237
−HK$865/mo
Today · 4.125%
HK$29,102
baseline
▲ 0.50% · 4.625%
HK$30,873
+HK$1,771/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,204/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,466
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,283
−HK$829/mo
Today · 4.125%
HK$32,112
baseline
▲ 0.50% · 4.625%
HK$33,804
+HK$1,692/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,224/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,862
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,884
−HK$1,039/mo
Today · 4.125%
HK$34,923
baseline
▲ 0.50% · 4.625%
HK$37,048
+HK$2,125/mo
Deposit HK$4.80M · loan HK$7.21M · min. income ≈ HK$69,846/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,559
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,539
−HK$995/mo
Today · 4.125%
HK$38,534
baseline
▲ 0.50% · 4.625%
HK$40,565
+HK$2,031/mo
Deposit HK$4.80M · loan HK$7.21M · min. income ≈ HK$77,068/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$450,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,339
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,532
−HK$1,211/mo
Today · 4.125%
HK$40,743
baseline
▲ 0.50% · 4.625%
HK$43,222
+HK$2,479/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,486/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,652
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,796
−HK$1,160/mo
Today · 4.125%
HK$44,956
baseline
▲ 0.50% · 4.625%
HK$47,326
+HK$2,370/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,912/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,293
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,826
−HK$1,558/mo
Today · 4.125%
HK$52,384
baseline
▲ 0.50% · 4.625%
HK$55,572
+HK$3,188/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,768/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,838
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,309
−HK$1,492/mo
Today · 4.125%
HK$57,801
baseline
▲ 0.50% · 4.625%
HK$60,848
+HK$3,047/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,602/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,361 · Scale 2, in force from 26 Feb 2026)