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$27,349
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,199
−HK$865/mo
Today · 4.125%
HK$29,064
baseline
▲ 0.50% · 4.625%
HK$30,832
+HK$1,768/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$58,128/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,425
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,241
−HK$828/mo
Today · 4.125%
HK$32,069
baseline
▲ 0.50% · 4.625%
HK$33,759
+HK$1,690/mo
Deposit HK$6.00M · loan HK$6.00M · min. income ≈ HK$64,138/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$449,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,819
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,839
−HK$1,038/mo
Today · 4.125%
HK$34,877
baseline
▲ 0.50% · 4.625%
HK$36,999
+HK$2,122/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$69,754/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,510
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,489
−HK$994/mo
Today · 4.125%
HK$38,483
baseline
▲ 0.50% · 4.625%
HK$40,511
+HK$2,028/mo
Deposit HK$4.80M · loan HK$7.20M · min. income ≈ HK$76,966/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,288
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,479
−HK$1,210/mo
Today · 4.125%
HK$40,689
baseline
▲ 0.50% · 4.625%
HK$43,165
+HK$2,476/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$81,378/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,595
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,738
−HK$1,159/mo
Today · 4.125%
HK$44,897
baseline
▲ 0.50% · 4.625%
HK$47,263
+HK$2,366/mo
Deposit HK$3.60M · loan HK$8.40M · min. income ≈ HK$89,794/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,228
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,759
−HK$1,556/mo
Today · 4.125%
HK$52,315
baseline
▲ 0.50% · 4.625%
HK$55,498
+HK$3,183/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,630/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,765
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,234
−HK$1,490/mo
Today · 4.125%
HK$57,724
baseline
▲ 0.50% · 4.625%
HK$60,767
+HK$3,043/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,448/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,765 · Scale 2, in force from 26 Feb 2026)